I never said the employer was obliged to give notification. I stated that they gave me the notification and when they did. I would think that the creditor should bear the responsibility of giving the notification and in a timely manner so I would have enough time to respond.

I think the court will see my income and situation and allow payments. It is not just because "I don't like it". We are a family of four which includes two very small children and I am the only income earner. We also get public assistance and live paycheck to paycheck. Not everyone who is in debt doesn't pay bills because they want to. In fact this medical bill was initially covered under my wife's previous health insurance policy until she lost her job during maternity leave and they retro-dated to end the insurance which then made me liable for my ER visit.

Slow pay is what I am requesting. And yes, I do have property exemptions...in TN we have a $10K wild card which is protecting what little assets we do have (like our car).

All I know is that if the creditor fights this and/or the judge doesn't agree to my reasonable payment request, I will then just file bankruptcy. Hey, they are not the only company I owe. A lot of crap happened when my wife lost her job and our credit is shot. So there is no way but up from here! Can't fall off the floor...