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knights0331 karma

I am in Florida. I have a medical bill from a year ago for $1000 that went to collections. I just set up a payment plan to start paying toward it. I also have bills out for around $3000 from 6 months ago but are still being processed by insurance. Two questions: 1) How long do I have from the time I receive a medical bill to pay it before they send the bill to a collections agency? I got a collections letter from one company only 1 1/2 weeks after getting the bill. 2) Can having these bills affect my credit? I want to rent a house with a couple other people in a couple months. Will this affect what landlords see?