On May 28th, I had hip replacement surgery in Sioux City Iowa. I also live in Iowa. I called a collection agency based in California that had been sending me letters a few weeks before telling them that I would have surgery on May 28, and would be leaving the hospital on May 31st, and would be out of work for about 6 weeks.
When the collector called me today, I asked her what transpired when we spoke while I was in the hospital. I have a vague memory of speaking with her while in the hospital. I remember two things: Telling her to wait so a nurse could come to bring me my purse, and her laughing and telling me I sounded better. I have no idea if that was the same phone call, although logic tells me it would have been a call at a later time or date.
The collector told me I called their office twice on May 28th and four times on May 30. I do not remember this. She told me that their computer transcribes it, but she can't send me any proof. (I would have used my cell phone.) The 28th and 29th, I was on a morphine machine, and the 30th I was given hydrocodone and had to have some units of blood and oxygen because I had a low percentage of oxygen in my blood.
I wanted to hear the calls, but was told I couldn't. People with me and talking to me by phone tell me I did not seem coherent. Is it okay for a collector to set up a payment over the phone if he or she knows I'm incapacitated? Since they had prior knowledge of the surgery and the date of surgery, should she have set up a fifty dollar payment via my bank account or told me to wait?
I'm upset about the principle of the matter-I'm grateful it was only $50, although I could have used that because I had no income. Do I have any recourse?

