I've been diagnosed with a severe disability and have been trying to pay my bills, but am struggling. I am paying some but a little at a time and it will take time to pay the rest. Some of them have been going on for a year.
2007-06-13 15:43:02 · 5 answers · asked by Tofu 1 in Business & Finance ➔ Personal Finance
WRONG! They will send it to a collection agency that will dog you and just make you more upset-which you don't need if you are already disabled.
Keep in touch with the original doctors and try to work out something- send them $5 or $10 dollars a month-keep it out of collections! If you are paying something they shouldn't be able to screw with you-also ask about if they can write some off if you agree to a payment plan.
Just try to avoid it going to collections- they are totally evil, dishonest, and a big new business. NEVER pay a collection agency without challenging the charge- make them prove you owe it-and never admit that you do.
If a bill has been sent to collections, do not talk to them on the phone- get everything in the mail and don't tell them that you understand what they are talking about on the phone- they are almost all scumbags working on commission. check out www.consumerfraudreporting.org/debtcollectionscams_what_to_do.php
2007-06-13 16:14:00 · answer #1 · answered by riverwooddude 2 · 0⤊ 0⤋
I'm not sure what the lawyer is basing that opinion on. Many people have gone into bankruptcy due to credit problems that started with medical bills. But that is often in cases where they aren't paying their bills and the bills get sent to collection agencies. As long as you are paying something on your bills you are probably reasonably safe. Perhaps that's that the lawyer means. I have gone through medical situation with both parents and as long as we worked with all parties to show a good faith effort to pay something, they were willing to work with us. Good luck.
2007-06-13 22:54:10 · answer #2 · answered by sports_chic_67 2 · 0⤊ 0⤋
The lawyer is wrong. However, never sacrifice your health just to keep your credit rating. How many 800's are now pushing up daisies? Half of all bankrupticies in America are due to soaring health costs. Join the club. Run up the medical bills, try to get well, then file bankruptcy to wipe them out, so you can start over. It isn't your fault this country has allowed giant insurance companies to screw the American public. While we all struggle to get by, their profits are at all-time highs!
2007-06-13 22:51:09 · answer #3 · answered by Steve C 5 · 0⤊ 0⤋
Uh, no, overdue medical bills will show on your credit report if they're reported to the credit bureau, just like any other bill. And most medical facilities and practices WILL report it if you don't pay the bills - they probably won't as long as you are keeping up with SOME payment.
2007-06-13 22:54:32 · answer #4 · answered by Judy 7 · 0⤊ 0⤋
well as long as you intend to pay them it should be fine. But no, they won't go on record unless they turn you into the credit union (which they will do eventually), becuase it is private.
2007-06-13 22:51:32 · answer #5 · answered by zackfasho 2 · 0⤊ 0⤋