I had a car accident 11 years ago with no health insurance. it went to a collection company and I have tried to negotiate a payoff to no end. I offered up to 80% of original bill. I now live out of state so contact has been cut off. Should I just leave it at that?

BR

I can understand this whole thing must have been a frustrating experience for you with the accident, the lack of coverage and the collections process. I do suggest, however, that you consult with an attorney to determine what exactly has happened in your case - whether the creditor's collection rights have expired, what impact the failure to pay may have on you, and other matters. Whether or not just "leaving it" at being out of state is the most appropriate option for your situation will likely depend on a thorough review of the particular facts of your situation. You can find an attorney through the locator service on LawInfo's home page at: http://www.lawinfo.com/.

In the meantime, you can browse through information about collections/creditor's rights in LawInfo's Free Legal Resource Center here: http://resources.lawinfo.com/en/Lega...hts/index.html and you can search for a variety of information via the search tool here: http://resources.lawinfo.com/index.html.

Good luck.