But, they aren't going to pay the whole balance of $600 on a credit card. Just like they aren't going to take out a loan to pay me. I can't force them to pay cash or use credit to cover their balance. I can dismiss them or turn them over to collections if I wish.
So, there are thousands of people with payment plans to physician's offices. I once had a payment plan with a hospital. I guarantee you (there is even an active thread on the board right now) that any time the topic of bad debt comes up, people will say they want the whole amount, settle for some amount or accept a payment plan.
So, once my biller talks to a person who is 120 days late for something like $300 and that person agrees to pay $20.00 per month, I want one of these companies which handles that. I will accept a payment plan IF it is set up with one of these companies. I know they exist, because someone named one in the long thread on collections before.
Hey if they want to pay me using their credit card, we have a credit card machine specifically for that. But, if someone owes me $600, they aren't going to be able to afford that even on their credit card.
