I received a letter from a collection agency for a doctor bill in the amount of $534, I have not been to this doctor since 2006 or 2007 and I have not been receiving any bills from the doctor, the collection letter is demanding full payment within 30 days, I only have $1087/mo to live on and cannot afford to pay in full. Should I contact the doctor's office and see if I can set up some type of payment plan with them. If they had been sending me a bill I would have been paying a little along. Can I send the doctor's office a small payment without contacting them about it first? I barely scrape by and just cannot afford to pay this type of money all at once, it will be a strain to make small monthly payments. I found an old check stub and I had sent them $10 in Sept. 2007.