I disputed a hospital bill due to having insurance and a third party insurance claim. After speaking to the healthcare recovery center for the hospital, I was informed that it only recovered the insurance payable portion of the bill and not the co-pay. Then I understood that I had to pay the balance of the bill and made arrangements to pay monthly. The collection agency told me that I had to give them my bank account number to make "guaranteed payments" from my checking account or else my wages would be garnished. I have sent monthly payments for 2 months and was told that I needed to submit my account number by the end of this month or my wages would be garnished. Can they do this?