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Strange as I make payments on medical all the time (until I need to meet a spend). The difference I think being I send a payment every month while I'm trying to set up the payment plan. If the books show you 120 days without any payment. I'm pretty sure they will try and collect (which seems fair)
Judgments are entirely different from collections. Once the creditor gets a judgment against you, the judgment balance is subject to interest for the entire time it is in effect. The good thing is the interest rate is limited by state statutes. The bad thing is judgments last a very long time - anywhere from 10 years to 20 years depending on the jurisdiction. Plus the judgment can be renewed for another ten years or 20 years if unpaid. Check your state statutes to see what the regulations are for your area. When you do pay this judgment, make sure you get a Satisfaction recorded to show it is paid off so it doesn't come back to bite you in the future. By the way, you can negotiate judgment payoff's just like any other debt with the judgment lien holder.
After the judgment was obtained, you apparently entered into either a voluntary or forced repayment plan.
Did the judgment credtior file an additional motion to levy assets or garnish pay, which is the legal source of your repayment plan?
If so, the "fairness" of the repayment amount would have been part of the legal process determined by the judge.
If the assessment is clearly too burdensome, you can motion the court for an amended order.......