My question involves collection proceedings in the State of: Massachusetts
I was working for a company in another state, when I needed treatment at a facility that my insurance had did not have any in-network providers for.
I arrived at the facility in MA, where my family lives, for a consult. They explained based on my condition that I had to go into the facility immediately. The facility said that they would take care of my insurance. I was informed by the facility that the insurance company approved, and would continue to seek approval. Each week they told me my insurance agreed. What I did not know was that they agreement they reached was to cover only 40%, with 60% to be covered by me. I had the highest cost plan that was offered by my company. They billed me for the remainder which was $25,000. The insurance company told me that I could not appeal this.
The facility called my parents to demand payment in full last year. They also called me once or twice since, and have now sent this to a collections agent.
It seems deceptive to me that they didn't tell me that they had negotiated a rate I would never have accepted. For better or worse, I would have said I could not ever stay there. I feel strongly they led me to believe that insurance was covering my stay, they even commented how surprised they were about how "good" my insurance was being. Other people were frequently turned out from this facility when they realized that they were unable to pay.
I have no property except for a car. I do not know what my rights are or what they can do to me. I am reluctant to agree to a payment plan before I know for certain that I should be responsible for the entire amount. Do I need a lawyer?
Thank you for your guidance.

