My question involves collection proceedings in the State of: Ohio. Long story short I had a surgery in July of 2013. My medical bills turned out right around $14000. I have been paying $150.00 a month, what I can afford because I'm a full time student and mother. I called into the attourney that's handling the case and asked him "what is the monthly payment that they are willing to accept?" Thinking maybe I can squander another $50.00 out of our budget and he said " They'll not accept the $150.00 a month because it will take 96 months and they're not willing to wait that long, the payment is more than likely going to be much more expensive or they'll accept an 80% settlement." Problem is I'm paying what I can afford and I don't have $11,000 just sitting around the house. What can I do and why are they trying to ruin my life?

