@Anonymous wrote:Hi,
This is my first time to the forum and I really need help. Sorry in advance if I'm posting this question in the wrong location. I received a collection letter for a medical bill January 12,2015 for an emergency room visit September 2014. I do not have the money to pay this debt outright. I contacted the original creditor early January to work out a payment plan but was told it was already sent to collections. I would really like if this collection does not hit my credit report. Please tell me what should be my next step/s. Thanks in advance for responding.
Welcome to My Fico 
I would be contacting them and making arrangements to pay it in exchange for them not reporting it to your credit file. You might also want to get with the hospitals billing office to see if you qualify for some form of aid that may be available prior to contacting the CA.
