I got into a very serious car accident about 6 weeks ago, and have been unable to work. I make $8.50 an hour when I do work though, so my wages are slim. I am also a single mother of two young children. My ex husband does pay child support, but it is not much. My hospital bills have racked up, and I simply cannot afford to pay them since I'm not even back at work yet. Does any know of a form letter or can any of you attempt to write a letter to my hospital/doctors to ask them to write off the non-insurance portion of my debt? So far it is at about $5000, but that only covers my first hospital stay, as I got readmitted a week after my first stay. Before insurance totals are well over $125K so far, so they did get a hefty payment from my insurance. I'm not trying to weasel my way out of payments, I am just in extreme hardship right now and don't want this to ruin me for years if I can help it. Please save your negative comments. Thank you!
2006-12-01 05:23:22 · 9 answers · asked by Oh Blah 1 in Business & Finance ➔ Credit
What about your auto insurance? Will they pay anymore of it? If not then check with the hospital, most of them have an indigent program that will help with the costs. they will require documentation on your income and expenses but it sounds like you would qualify. Also you may try for state medicaid, especially if you will be disabled or unable to work for a while because of the accident, talk to Social Services and see. Good Luck.
2006-12-01 05:29:33 · answer #1 · answered by brendagho 4 · 1⤊ 0⤋
Well, I don't know about a form letter, but just talk with their accounts department or with the creditor they've handed it off to. Many hospitals work with you on payment plans (although they do often hand them over for collections anyway). They can work with you on small payments.
You may not want to have them write it off, as that might count as income for you on your taxes. Try to see if you can reach a settlement with the creditors.
Best thing to do is to just try to pay whatever you can (at least $25-50 a month is all). That'd show good faith in case they try to take you to court. It will take a while, but having it paid off will help your credit. Having write-offs doesn't help your credit score any, actually can hurt it.
2006-12-01 05:31:34 · answer #2 · answered by joannaserah 6 · 0⤊ 0⤋
You should hire a reputable attorney and let him handle all of this. Sometimes insurance companies drag paying out for a long time, and an attorney can talk to your medical providers and get them to wait, as well as pressuring the insurance company to do the right thing. The attorney will get enough money from the insurance to insure that all your bills are paid, as well as attorney fees. You should be able to get a consultation for free. Good luck
2006-12-01 05:29:59 · answer #3 · answered by Tina 3 · 0⤊ 0⤋
If the accident was not your fault, you should consult an attorney. The responsible party should pay for your unreimbursed expenses. If it WAS your fault, then you should simply call each of the hospitals or doctors and explain your situation. They are usually willing to work out a payment schedule with you. Just don't wait until they've threatened to send your account to a collection agency, because those people just won't deal.
2006-12-01 05:27:45 · answer #4 · answered by MOM KNOWS EVERYTHING 7 · 1⤊ 0⤋
I had appeared into this at one element, and when I got here upon out those "non-earnings" debt consolidation rackets were charging a cost, i wanting to call actually one of my lenders and note if i might want to do a similar form of negotiation on my own for lowering the interest owed. What i became informed--and that's coming from a creditor--became that i became extra useful off filing financial disaster, because they might both have similar consequences on my credit status. fortunately, i did not might want to do both, because issues worked out contained in the longer time period. do not fall for those scams, and do not assume that a "non-earnings" is a benevolent or charitable entity. purely because the business corporation doesn't make a internet earnings does no longer advise the principals do not skim off a hefty earnings.
2016-11-30 00:37:22 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Talk to a hospital financial advisor. They'll ask for check stubs and other income verification forms. I myself had a $41k bill because of an appendix surgery. The hospital cleared every last cent owed. Be sure to meet all deadlines and provide all info you can. Good Luck to you!!
2006-12-01 05:29:40 · answer #6 · answered by Anonymous · 0⤊ 0⤋
You need to sue your car insurance company to cover medical bills or sue the other vehicle involved. I have medical coverage on my car insurance just for that reason. If not, then try for state help.
2006-12-01 05:26:10 · answer #7 · answered by Betty Boop 5 · 1⤊ 0⤋
call the hospital and try to arrange a payment plan. pay them 20 bucks a week if that is all you can afford.
2006-12-01 05:26:03 · answer #8 · answered by krystal c 3 · 0⤊ 0⤋
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2006-12-01 05:31:42 · answer #9 · answered by asasface 1 · 0⤊ 1⤋