not paying hospital fees

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montroller510

montroller510

Sicc OG
#1
Apr 23, 2006
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#1
so im thousands of dollars in debt because of bullshit hospital fees and i dont really have extra money to pay it

it hasnt been sent to a collections agency yet but it will soon

im just wonderin if anyone has any experience with not paying these things and i was wondering how it worked out

i heard they can start reposessing your shit after a certain amount of time but last time i didnt pay it nothing happened... the only difference is this time the bill is about 4 thousand dollars more

if i were to make payments it would take me at least 3 years to pay it unless something drastucally changes im my life so im really tryin to get around this

i tried to do the charity thing and they declined me then i tried to apply for medical but they declined me also so now im fucked

any insight is appreciated
 
montroller510

montroller510

Sicc OG
#4
Apr 23, 2006
5,687
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#4
@ thizzhard

are you bein serious ... doesnt that fuck everything up for like 7 years

idk though if it comes to that i mihgt have to but that is a last resort.. i will try and make payments before that
 
numba2stunna

numba2stunna

Sicc OG
#5
Jun 4, 2004
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#5
I am always in collections and all I see is shit on my credit report, your not alone with Medical Bills... file bankruptcy or just live with them calling and sending letters.
 
F

FDS

RIP DUKE BROTHERS
#6
Jan 29, 2006
7,279
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#6
fuck that, just settle the debt bankruptcy should be your absolute last option. call the collections company and be like erraay i cant pay this, but i can pay some, then work a payment plan.
 
Hu$tle530

Hu$tle530

Sicc OG
#7
Jun 19, 2004
1,158
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#7
Your credit is fucked, they will eventually sue you for the charges and fees/interest. After a long while the bad debt will be bought by some one else and then they will come after you. When they start calling hounding you about charges try to settle for less than you owe. So make sure you start a little fund for these people so you can just settle. It's not if they will come after you it's when........
 
montroller510

montroller510

Sicc OG
#8
Apr 23, 2006
5,687
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#8
yea im really not tryin to file bankruptcy im on a 100 a month plan right now but with those figures and interest included it will take me almsot 5 years to pay

fuckin faggot ass doctors who needs 5000 dollars for a morphine drip and some salene solution i sware
 
F

FDS

RIP DUKE BROTHERS
#9
Jan 29, 2006
7,279
3,744
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#9
look

when it reaches collections, the hospital has now sold your debt to a collections agency for pennies on the dollar. Anything these fucks can get will turn profit for them. If they take you to court it would cost them way more than it would to take a loss on the debt. after u negotiate, and pay them off, your credit is fucked but wiped clean after 7 years. fuck bankruptcy.
 
GHP

GHP

Sicc OG
#10
Jul 21, 2002
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#10
montroller510 said:
@ thizzhard

are you bein serious ... doesnt that fuck everything up for like 7 years

idk though if it comes to that i mihgt have to but that is a last resort.. i will try and make payments before that
Click to expand...

dont listen to that guy, very uneducated answer besides if BK is something you would honestly think about i wouldn't do it over a couple grand worth of debt. I worked in the collections industry for a long time and your best bet is to try to negotiate with your creditors and work out settlements. Chances are you dont have the cash for that and you might have to go to family for help, thats how all the big balances got taken care of. I got put into collections for a medical debt for 5 grand and ended up settleing with them for 3400 dollars, i think it was a pre charge off through kaiser so i siffed it before it showed as a negititive. If you have the available credit just use it to sif your account out, you'll thank yourself later.
 
GHP

GHP

Sicc OG
#11
Jul 21, 2002
16,280
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#11
FDS said:
look

when it reaches collections, the hospital has now sold your debt to a collections agency for pennies on the dollar. Anything these fucks can get will turn profit for them. If they take you to court it would cost them way more than it would to take a loss on the debt. after u negotiate, and pay them off, your credit is fucked but wiped clean after 7 years. fuck bankruptcy.
Click to expand...
not true, they can sell the debt over and over again and it resurfaces as a brand new mark. Not all collection agencies buy debt many of them retain contracts and are guarenteed a certain amount off of each debt whether its paid or not. If you do not pay the money the agency was paid off top is applied to the debt. If they see it as a cost effective way to get their money back they will sue you for it, don't get it twisted. It may take years but eventually it will get in the hands of an agency that has teeth, when it reaches that point the debt is usually 2-3 times higher than it originally was. I don't know about medical shit but thats how it works with credit cards and repos that i worked
 
AKAZIE

AKAZIE

Sicc OG
#13
Sep 17, 2007
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#13
i owe Kaiser Perm. like 6 rackz.... i aint ever paid them shit and never will. i've owed them that for like 8 years now. on top of that they still take me in emergencies. and just bill me another bill. i aint even with they're hospitals insurance. i still got a ID number and everything from like 12 years ago. they treat me just as good as any other patient. and they never bring up my billing issues when i go in. so i dont know how all that works. but they aint trippin off the money. They just send me shit when they can find me.
 
jr916

jr916

Sicc OG
#14
Jun 3, 2006
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#14
real talk troller...theres a plan, i forget whats it called and they dont tell you about it...but hospitals have money put aside to cover people who cant pay they bills....
 
GHP

GHP

Sicc OG
#15
Jul 21, 2002
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#15
medical shit is different as credit cards and shit like though becaus eits not seen as a self inflicted wound like a bad credit card. As long as you stay on your payback plan they will not report it as a charge off and they cant do anything bad to you. My best advice though is see if someone can front you a lump sum of cash if you don't have a credit card you can flipp it on. Call them up talking money like the monday before the end of the month, they will issue you a settlement offer but stand fast on what you have. They will get antsy because they will have their EOM close and they will probably sif your account. The hospital isn't gonna pull your credit if it isn't charged off yet. Chances are they don't know what you have. You can probably get them to cut it in half or worst case they will take your lump and apply it to a multi pay settlement.
 
SouthernComfort

SouthernComfort

Rest In Peace
#16
Jan 18, 2008
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Rip City
#16
just got my bill for my two night stay, over $7000.....fuckin-A, they gave me papers to try and get charitable coverage cuz i got laid off and dont have insurance. but i gotta get my W-2s from a year ago, have to get my girls W-2s and her last 3 months of pay stubs, what a fuckin hassel. but for 7 racks i'll do it
 
jr916

jr916

Sicc OG
#17
Jun 3, 2006
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#17
SouthernComfort said:
just got my bill for my two night stay, over $7000.....fuckin-A, they gave me papers to try and get charitable coverage cuz i got laid off and dont have insurance. but i gotta get my W-2s from a year ago, have to get my girls W-2s and her last 3 months of pay stubs, what a fuckin hassel. but for 7 racks i'll do it
Click to expand...
get you sum work and make that 7 right quick
 
Big ZAC

Big ZAC

Sicc OG
#18
May 8, 2002
996
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#18
next time they send you a bill, write them a letter on the back of it stating that you cant pay it, times are hard, you have no job, etc....they'll write it off and you wont have to pay shit. Thats what I did, I owed over 5g's and they wrote it off.
 
CHAPO GUZMAN

CHAPO GUZMAN

Sicc OG
#19
Jan 5, 2006
13,536
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#19
I'm in dispute with ebay/paypal and a collection agency right now.. The debt has been settled after like 4 or 5 months, paypal just yanked the $$ from my credit card after unsuccessfully trying 3 times..but the collections agency keeps calling.
 
F

Fucky McFuckerson

Sicc OG
#20
May 9, 2002
37,066
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#20
FDS said:
look

when it reaches collections, the hospital has now sold your debt to a collections agency for pennies on the dollar. Anything these fucks can get will turn profit for them. If they take you to court it would cost them way more than it would to take a loss on the debt. after u negotiate, and pay them off, your credit is fucked but wiped clean after 7 years. fuck bankruptcy.
Click to expand...
LOL @ this

WRONG

No one SELLS anything as far as hospitals and doctor's offices. One it goes to collections, it gets WORSE for YOU, the debtor...becuase now, there is INTEREST to pay. If you do not PAY, you will then get SUED...which means you go to court and they evaluate your belongings (house, car, land) and see what you can do to pay off your bill. They can also GARNISH your pay check, usually to the tune of 25% of what you make.

Pay your bill....there is no way to avoid it. Your FUCKED.
 
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