i am located in Texas. i owe a hospital bill in the amt of $825.00 I have been paying $25.00/mo. to a collection agency on this since Nov 2000. i missed my april 2001 payment. they called and i told them i would send it right away and that i would send may and june when i got paid the next time. i mailed my april pmt last week. they called to say that they are filing on me for not paying. i have never had anything filed on me before. i don't know what to expect. they want the entire amt due. i have no way of paying this. they said that they would get a judgement. do i go ahead and mail my may and june payment and hope they will accept it and not file or what?