I informed the medical payment offices that payment would be made once I secured settlement with Social Security for back payments owed. My debt was sent to collection agency regardless. I have since received the settlement and would like to pay the medical services offices directly without going through the collection agency. My question is ....if I offer to pay directly to medical services are they obligated to take the payment offered in full of balance due or is it out of their hands and I have to pay the collection agency instead with all the fees etc.?