Call to work something out, most will arrange a payment plan, and I never heard of any with interest. Sometimes if your lucky it'll be over looked for awhile and eventually written off. But thay could be taking a chance. Usually if a bill is acouple years old I just take out the balance. So best shot is asking to reduce the bill/payment plan. Given the situation that placed you there they maybe even willing to help you out more. Take care and best of luck with all you may cross!!!!