Collections Question

What is the name of your state? Wisconsin

I had a bill with a local clinic that I was paying $50 a month on, I made regular payments which can be proved with the cancelled checks. Apparently the clinic felt that the amount i was paying was not enough and turned the account over to a collections agency. I tried on 2 occasions to make a reasonable proposal to this agency, once on the phone where the woman I spoke to just kept repeating "get a loan" and once in a letter which was ignored. The amount of the debt is approx $600, i proposed to keep making the $50 payments until this month and then i would increase the payment to $100 per month. This collection agency accpeted 2 of the $50 payments before sending back the July payment saying it was an insufficient amount. The reason for increasing the amount of the payment beginning this month was because i had paid off another debt in July and that freed up some more money. I am not in a position to get a loan at this time. Now i have received a letter from a lawyer informing me that I am going to be taken to court so they can get a judgement against me.

My questions are, how could this account be turned over in the first place, and if I go to court when the case comes up, would I get a fair shake as far as the law goes?

Thank you in advance for your help. I hope this was not too long winded.

[JETX]

"how could this account be turned over in the first place,"
*** Why can't it??? You may be under the common misconception that any payment being made waives the creditors right to pursue the debt. Simply, it doesn't. It makes no difference whether you are making payments or not, the creditor has the right to pursue any additional avenues, including a lawsuit, to get payment of the debt.

"and if I go to court when the case comes up, would I get a fair shake as far as the law goes?"
*** You will get a 'fair shake'. However, I haven't seen anything in your post that would provide a defense against the claim of the debt. Simply, you owe it, the creditor can sue, and unless you have a defense, they will get a judgment.

This creditor was watching your credit report. That'll happen. The only thing you can do now is offer up larger payments based on the debt you paid off. They have a clear picture of the cash you've been spending and on what debts, so don't bother lying. A debt is a debt, and you'll need to pay whatever you can. Just no more than that.