it varies state to state.
and from collections company .
In arizona I was paying $5 every two weeks on auto pay and because I was making regular payments I was fine. This went on for years.... until they changed collection companies then they started calling me every week. I decided to pay off the balance, they gave me a 15 % discount if I paid in full. It was a ridiculous amount of money at the time but I needed to be hospitalized, was psychotic and had been off meds.I only stayed 3 days and it cost over $8K. I did not have insurance.
The first time that I was hospitalized I was full blown psychotic and stayed 5 days hospital...I don't remember having bills with the insurance policy that I had.
That was in Indiana.
bizi