Three years ago I went to what I thought was a free clinic at a hospital in Louisiana. I just got a letter from a debt collector telling me I owe them 226 bucks. I am going to pay it but the problem is I can't pay it all at once. Should I call them and ask if I can make partial payments until I pay it all off? Do I contact the collection agency and ask them? I don't know what to do and this is stressing me out.