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My daughter (18 mos) has had several occasions of illness and has accumulated over $1000 in various bills. I have been unable to pay several of the bills, but I intend to use income tax money to pay off all outstanding accounts. Some of the accounts have been turned over to collection agencies. I am needing to know is, if I send letters of intent to pay with details as to how I will repay these debts to the agencies, companies, etc., will this avoid legal proceedings on these accounts. I do intend to pay; I have just been unable to this past year due to limited income.