I sprained my ankle 2 years ago and went to the hospital for x-rays. I had no medical insurance. I got a huge bill in the mail. Since that time I contributed $10 a month, every month, for 2 years but still have a substantial balance left. Last month the hospital sent my bill to collections.
Even though I was never on any formal payment plan with the hospital, if I was consistently paying $10 a month towards the balance every month for 2 years, can't I argue there was an implied contract? I don't want to deal with the collection agency because they are now tacking on interest onto my already bloated medical bill. Can I keep just sending the money to the hospital and ignore the collection agency?