I owe hospital $3000. It went to collections. They said they will accept half....$1500. I'm not sure if it's on my credit report. The hospital claimed they don't send it to our credit reports.

In September the state gave everyone a $200 check ( Virginia) because the hospital and state are together in some way, they had claim to my $200 and took it. Anyway, my big thing is I do not want to get a 1099 form. Should I just organize a payment plan with the debt collector then? Maybe have them take off at least $599 so I don't get the form? $599 off is better than nothing?

Also, does anyone know if you are in a payment plan with the hospital debt collector agency....is that an "agreement" enough or will they still continue to take my state refunds....for example that $200 we all got???? Ugh, I am in a mess.