this post was submitted on 09 Feb 2025
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How do you handle hospital bills that are sent six months plus later then to collections? Do you pay the hospital or deal with collections? (lemmy.selfhostcat.com)
submitted 2 weeks ago by ocean@lemmy.selfhostcat.com to c/personalfinance@lemmy.ml
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Hospital says payment plans don’t work since it’s gone to collections…

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[–] BurningRiver@beehaw.org 9 points 2 weeks ago* (last edited 2 weeks ago) (5 children)

Couple things here:

  1. as of now, medical debt doesn’t hit your personal credit like other debt does, which leads me to…
  2. the debt collectors may try to get you to finance the debt, which absolutely WILL impact your credit if you default. Never finance medical debt, it can only hurt you.

This is of course in addition to the other comment that says you need to ask for proof of ownership from the collectors.

I had a about a $100k medical bill that was covered except for a $5k deductible years ago, which I couldn’t pay. It eventually went away.

[–] ocean@lemmy.selfhostcat.com 1 points 2 weeks ago (4 children)

What did you do to make it go away? How do they get it to impact my credit?

Thanks!

[–] BurningRiver@beehaw.org 2 points 1 week ago (1 children)

Sorry, just getting around to replying to this. For me, it just went away after 7 years. I made a big purchase during that time and still got the interest rate for top tier credit.

[–] ocean@lemmy.selfhostcat.com 1 points 1 week ago

thanks for sharing

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