how can i get out of paying old medical bills don't they get removed from my credit history after some time?

Answer 1

They will be removed from your credit reports 7 years from the date of service.
But, just because they fall off your credit report does not mean you still cannot be sued for them.

IF the medical provider receives ANY funding from either the state or the federal government, that may mean there is no collecting SOL defense. The debt would be considered the same as any government type debt.

If the medical provider does not receive any state/fed funding, you would have to check your states SOL statutes to see when the debts would be out of the collecting SOL.

If the accounts are still with the medical provider, you can speak with them about getting aid in paying and also about reducing the amount owed. There are many charities that do help with medical debts. You might speak with the medical provider and also your local dept. of human services.

If the accounts are with a collector, you can still speak to the medical provider about the aid in paying and reducing the amount due. You can also request that they pull the accounts back from the collectors.

If the accounts are with collectors and the medical provider won't willingly pull the accounts back, you do have the right under HIPAA laws to bypass the collector and pay the original medical provider. But, you would have to pay the full amount due to use your HIPAA rights.

If you cannot pay the full amount due and the medical provider won't pull the account back, you would have to deal with the collector and try to get them to take a portion of the debt as payment in full - along with requesting they delete anything they have placed on your reports upon payment.

If you plan on doing that, you should do everything in writing, make sure you have it in writing from them that they consider your partial payment as payment in full (if they agree to it) and "stay off the phone".

Answer 2

They stay on there 7 years. They will lower your credit score but I've heard lendors aren't so tough r/e medical debt so you can probably still get a loan, although with higher interest rates.
You're entitled to a free credit report from each agency every 12 months per federal law. Go to this site...

Answer 3

You are going to ruin your credit history. When you try to buy a house, car, get a new credit card you're going to run into problems. You're also going to be classified as "high risk" which means huge interest rates.

Answer 4

just don't pay them. i don't. they will eventually wipe them off