I have a medical bill that was placed with a collection agency from 2003.The total I owed was 1695.00. I made arrangements to pay 50.00 a month to the surgery center. I missed a payment here and there so they sent me to collections. I made arrangements with them to pay 50.00 a month. There was several months I couldn't pay the whole amount so I would send 10.00 or what ever I could pay that month. Now they are telling me that they are going to start litagtion. I beg them not to. I told them I am sorry I got sick but I have been sending what I can.