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I have a hospital bill that I agreed to make payments on. It was more like they told me what I had to pay. I recently called asking them to lower the payment amount by $45. They told me no, and if I did not pay the amount agreed on they will turn me over to a collection agency. I want to pay the bill, I just cannot afford the original amt, due to unforeseen expenses. My goal it to pay the balance when I rec my income tax refund. Can they really turn me over to a credit agency if I am pay on the bill?