<prompt> Human: I have a friend who was hospitalized for a mild stroke 1 12 years ago in Northern Virginia. He works as a line chef in a restaurant. He did not have insurance. He received a letter from an attorney for a debt collecting company demanding that he pays 11,000 in hospitalization costs. He is willing to work out a plan to pay the debt but he can only afford 200 a month. Is there any advice on how to negotiate with the debt collector? P.S., I am also a licensed attorney but Ive never actually practiced law. Anything I can do to help him other than lending him money?  <response>: 11k no insurance? Your friend got a hell of a deal. 