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I have a friend who had some surgery when he didn't have medical insurance. And no job. Basically, he started getting bills and was/has been unable to pay them as he is studying and got a meager part-time job a few months after the surgery. The loan was sent to a bill collections agency and he's been getting repeatedly called by them (a few times a week), and got a message today from them that basically said this:
"I'm giving you this final call regarding this important business matter. I need you to call me back by 5 PM before proceeding further."
Now, he's not trying to avoid the bill but he definitely does not have the means to pay it. To me, this call sounds too vague to be anything but a "call us so you can pay us." Anyone run into this before or can give advice as to what he can do in this situation?