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Message

re: Will an unpaid hospital bill hurt my credit score?

Posted on 11/13/18 at 1:05 pm to
Posted by Fat and Happy
Baton Rouge
Member since Jan 2013
20239 posts
Posted on 11/13/18 at 1:05 pm to
Fake your death.

The debt will go away
Posted by Mingo Was His NameO
Brooklyn
Member since Mar 2016
37536 posts
Posted on 11/13/18 at 1:06 pm to
quote:

You don't like people assuming you wanted a service that cost money, without them actually asking you if you'd like that service?


He went to the hospital, they didn't show up at his house with an x ray machine and x ray him against his will.

quote:

As i said before, nurses and doctors operate as if everything is free so they give you shite and do shite without telling you it's costs and then hit you with a bill after.
If you had told me this test was going to cost money outside of my copay, or this x-ray would be extra, maybe i wouldn't have done it. Let me decide what happens based on financial decisions, don't just assume i want to do everything you recommend regardless of costs.


No one made you. If it's not life threatening people will clear it with their insurance and then go back once they've confirmed its covered. This happens literally daily. You are just lazy and dumb and want someone to do everything for you.
Posted by Janky
Team Primo
Member since Jun 2011
35957 posts
Posted on 11/13/18 at 1:06 pm to
Why don't you pay your bills?
Posted by Mingo Was His NameO
Brooklyn
Member since Mar 2016
37536 posts
Posted on 11/13/18 at 1:06 pm to
quote:

Fake your death.

The debt will go away


Nope
Posted by Hermit Crab
Under the Sea
Member since Nov 2008
7458 posts
Posted on 11/13/18 at 1:09 pm to
Collections, no matter the size, hurt your credit score more than everything except a bankruptcy from my experience banking
Posted by DarthRebel
Tier Five is Alive
Member since Feb 2013
26107 posts
Posted on 11/13/18 at 1:10 pm to
quote:

There is absolutely no chance that the hospital didn't attempt to collect this debt from you multiple times before turning it over to a debt collector.


This is also a very true statement. You should get about 3 notifications before being sold off.

Posted by HeyHeyHogsAllTheWay
Member since Feb 2017
12458 posts
Posted on 11/13/18 at 1:10 pm to
quote:

No one made you. If it's not life threatening people will clear it with their insurance and then go back once they've confirmed its covered. This happens literally daily. You are just lazy and dumb and want someone to do everything for you.


Holy shite is this dildo actually saying the hospital was responsible for determining whether a charge should have been covered by his insurance or not? I mean seriously?

And for frick sakes, it's $70 (allegedly) what kind of stupid would you have to be to make $7-10K a month and not just pay a $70 charge?

OP is obliviously a liar as well as a thief.
Posted by vodkacop
Louisiana
Member since Nov 2008
8050 posts
Posted on 11/13/18 at 1:10 pm to
These people will ruin your credit and harass you at work until you pay it off. They will continually remind the credit agencies every month until its paid off completely.
Posted by DarthRebel
Tier Five is Alive
Member since Feb 2013
26107 posts
Posted on 11/13/18 at 1:12 pm to
quote:

hurt your credit score more than everything except a bankruptcy from my experience banking


There are different degrees of hurt though. It is not equal. If your credit is good enough, $70 will have little impact and disappear after 7 years.

Money is still cheap in America.
Posted by HeyHeyHogsAllTheWay
Member since Feb 2017
12458 posts
Posted on 11/13/18 at 1:12 pm to
At this point does ANYONE believe that the OP has a job that pays $7-10K a month?
Posted by TigersHuskers
Nebraska
Member since Oct 2014
15523 posts
Posted on 11/13/18 at 1:13 pm to
I told you I simply forgot to pay it. Jesus christ to some of you people it's amazing how you cant make a mistake here and there.
Posted by Mingo Was His NameO
Brooklyn
Member since Mar 2016
37536 posts
Posted on 11/13/18 at 1:13 pm to
quote:

harass you at work until you pay it off.


Theres fairly new consumer protection laws that limit stuff like this. I'm almost positive they can't harass you at work anymore.
Posted by Janky
Team Primo
Member since Jun 2011
35957 posts
Posted on 11/13/18 at 1:13 pm to
quote:

I told you I simply forgot to pay it. Jesus christ to some of you people it's amazing how you cant make a mistake here and there.


Multiple times? You serious, Clark?
Posted by TigersHuskers
Nebraska
Member since Oct 2014
15523 posts
Posted on 11/13/18 at 1:13 pm to
quote:

At this point does ANYONE believe that the OP has a job that pays $7-10K a month?


Railroad pays good until the economy craps out and you are furloughed for a long arse time
Posted by Mingo Was His NameO
Brooklyn
Member since Mar 2016
37536 posts
Posted on 11/13/18 at 1:14 pm to
quote:

I told you I simply forgot to pay it.


5 times? Because they called you and mailed you an invoice at least that many times.
Posted by Supermoto Tiger
Baton Rouge
Member since Dec 2010
10966 posts
Posted on 11/13/18 at 1:14 pm to
quote:

Got something in the mail today saying that its going to a collection agency.

Yes I would pay ghat bitch today.
Posted by HeyHeyHogsAllTheWay
Member since Feb 2017
12458 posts
Posted on 11/13/18 at 1:16 pm to
quote:

I told you I simply forgot to pay it. Jesus christ to some of you people it's amazing how you cant make a mistake here and there.




You didn't just "forget to pay it" liar and we all know this is true, because you probably received no less than 6 invoices before the hospital billing department just said "frick it" and sold your debt off to a collections agency.

You're a deadbeat.

Also, if you made $7-10K a month you would simply hand the hospital your debit card and pay the $70 when you originally received the bill and dealt with your insurance company at a later date. It's like were talking about tens of thousands of dollars here.

Posted by HeyHeyHogsAllTheWay
Member since Feb 2017
12458 posts
Posted on 11/13/18 at 1:21 pm to
quote:

Theres fairly new consumer protection laws that limit stuff like this. I'm almost positive they can't harass you at work anymore.


They can not come to your work PERIOD. They can call you at work, but they may not discuss your situation with anyone else or identify themselves as debt collectors to anyone else, and once you ask them to stop calling you at work, they legally must do so.

LINK

This family we have been helping out for several years, they had all kinds of debts and bills that we helped them get through and get caught up on so we familiarized ourselves with the ins and outs in such things as no one gets turned into collections without having MULTIPLE attempts by the original holder of the debt first.

Posted by TeddyPadillac
Member since Dec 2010
30723 posts
Posted on 11/13/18 at 1:22 pm to
quote:

You are just lazy and dumb and want someone to do everything for you.


I'm lazy and dumb b/c i want the person that's rendering a service to me to tell me how much it's going to costs before i do it? They aren't always up front about what they are about to do will costs, and just assume you will do it, so they might as well be showing up at my house with the x-ray machine, or coming cut my grass.

I'm not talking about thousand dollar things here. This is the $70 type crap the OP is describing.

I got charged $120 for crutches a while back, which is outrageous for a pair of cheap wooden crutches. I told them i didn't want them, and they insisted i take them, practically begged me, and i said no repeatedly. Walking out the clinic with my buddy helping me walk (bad sprained ankle) and they give me the crutches and say "just take them". Finally said whatever and took them. Then get a bill for $120 a few weeks later. I didn't want the crutches when i assumed they were free, and at no point did they mention they would cost anything extra outside my copay.
fast forward a few years, same issue, sprained ankle, and doctor recommends a walking boot. Tells me you can get it from us but it'll cost x amount of dollars, or you can go to this store and get one for much cheaper. That's how that's supposed to work.

Most of our appointments, we are given an estimate on how much we can expect to pay for the oncoming visit. My youngest is 5, and we've hit our maximum out of pocket every year but 1 he's been born.

It's the little doctor visits where they just render a service without telling you the costs, then send you that small bill for it, that's the ones that piss me off and what i'm talking about here.
Posted by Mingo Was His NameO
Brooklyn
Member since Mar 2016
37536 posts
Posted on 11/13/18 at 1:30 pm to
quote:

I'm lazy and dumb b/c i want the person that's rendering a service to me to tell me how much it's going to costs before i do it?


They know how much it costs, they don't know how much your insurance is going to cover. There's tens of thousands of different plans, they don't know your co-pays, or the status of your deductible. Again, it's your fault.
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