As you know last year from DD's back surgery we owed $6000.00 out of pocket and Dh worked his buns off to get the medical paid, we owe $618.00 to the hospital , now since he had surgery and a long stay in the hospital, it is going to be starting all over, but he is the one off from work, he has 5 months of sick time built, and we took a small pay cut plus the overtime is now gone. Anyway, has anyone had such large alounts of medical bills, and if I pay the medical bills with what I can afford a month instead of paying the whole amount,(which the medical doctor's, hospital, etc. will want, of course.) and the medical facilities want the whole amount owed, and I can only afford a certain amount a month, what happens? Do I go into collections, and if that is the case, what happens? I already know that I don't have $6000 right now to pay for the new medical bills, I think this amount is the maximum out of pocket for the year, which I know we will owe from all of this surgery and hospital stay, and physical therapy, etc. Any advice would be greatly appreciated. I hope that I explained myself clearly, and didn't make this sound too confusing. Any comments?