There is a waiver process for instances where collection of the debt will effect a financial hardship or is otherwise unfair. A waiver request is premature until the claim or lawsuit is settled and a final payment demand letter has been sent from the Medicare contractor. A waiver request is acknowledged and the attorney is sent forms for the beneficiary to complete. The forms need to be returned in 30 days, although replying sooner can generate an earlier decision. The Medicare contractor is required to make a waiver determination within 120 days of the date of the request. The decision may be to deny, grant or partially grant the request. Interest mandated by HCFA continues to accrue while the waiver request is pending. As a result, the best course is to pay the debt within the 30 day deadline of the payment demand letter and seek reimbursement through the waiver process.