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I have this bill from the urologist for $4,000. The bill has been sent to the credit bureau for collections. They will not accept less than $120 per month even though I explained I cannot afford that. They will not allow me to mail them monthly what I can afford but are saying that I have to give them a "secure" payment through my checking account? Can they do that? what are my options here? Can they really refuse payment through the mail? Can they still take me to court if I just send what I can afford contrary to what they are saying I have to pay? I need advice please!!!