Legal Question in Credit and Debt Law in Missouri

I accrued a medical bill of about $1,000 from the birth of my daughter at a hospital in Missouri. I have been making $25.00 every month for over a year on this account. Recently they sent my account to a collection agency. They never asked me for more than my $25.00 payment and never called or sent a letter saying they were going to put my account into collection. Is this legal?? We had an agreement for the amount I was paying, and i faithfully paid this amount!!!


Asked on 12/06/09, 7:31 pm

1 Answer from Attorneys
Michael Harvath Harvath Law Offices-INJURY case representation

Hi. Yes, generally speaking, a creditor does not have to provide notice to you before turning your account over to a collection agency. Some do, and some simply don't. You indicate that you had an agreement. Was the agreement in writing or was it a verbal agreement? If you had an agreement in writing, the situation could be somewhat different, because they could then be breaching a contract. Also, have they filed suit, or threatened to file suit for the unpaid balance?

I am a Missouri attorney that practices primarily in the areas of personal injury and workers' compensation, though I also handle some creditor-debtor issues. I can be reached by e-mail, for your convenience, at [email protected]. Thanks.

NOTE: This answer is for educational purposes and does not constitute legal advice. The use of this site does not establish an attorney-client relationship or privilege between the user and the attorney responding.

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Answered on 12/11/09, 10:06 pm


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