re: Would you ever consider declaring bankruptcy if your hospital bill was high enough?

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I don't think you can pay as little as $10/mo like some are saying but you should get it down to an amount that isn't crippling so you can go about your life.

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You absolutely can pay $10/month.

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recently set up a payment plan and when I asked if there was a minimum the hospital told me I could pay $10 if I wanted,

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Must depend on the hospital. With my dad I told him to ask for the minimum monthly amount when he set up payments on his bill.

He was told $89.

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Nope, I'd pay $1 a month for the rest of my life. Hospital bills can't force you to pay a certain amount per month or pay it off in a certain amount of time

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This isn't true. Neither is the $10 a month. My fiance was paying off an ER visit by sending in a little at a time. It wasn't much, but it was more than $10. She got something from collections one day for that hospital bill. She went to the hospital to see why and they said she would have needed to set something up with them to make a minimum payment, and what she was doing wasn't enough.

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This isn't true. Neither is the $10 a month. My fiance was paying off an ER visit by sending in a little at a time. It wasn't much, but it was more than $10. She got something from collections one day for that hospital bill. She went to the hospital to see why and they said she would have needed to set something up with them to make a minimum payment, and what she was doing wasn't enough

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She got the collections letter because she didn't set up the payment plan, not because she was paying too little.

You can't just pay a little at a time without setting up the plan first.

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She got the collections letter because she didn't set up the payment plan, not because she was paying too little.

You can't just pay a little at a time without setting up the plan first.

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Exactly. Did she think the hospital read her mind?

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She got the collections letter because she didn't set up the payment plan, not because she was paying too little.

You can't just pay a little at a time without setting up the plan first.

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$10 wouldn't have been an acceptable payment. If she was paying an acceptable amount, it wouldn't have been sent to collections.

You can't just set up a payment plan of $1 a month.

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$10 wouldn't have been an acceptable payment. If she was paying an acceptable amount, it wouldn't have been sent to collections.

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I've literally had the exact opposite experience

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You absolutely can pay $10/month.

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Maybe so I don't have any first hand knowledge. But logically why would a hospital accept $120/year payment on thousands or hundreds of thousands of dollars? I just don't know why they would bother with such a small amount unless legally obligated and maybe they are in some states.

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hospital bill of $131,000 after insurance.

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I want to see more specifics. Reddit is notorious for people inventing elaborate stories for karma. Even if you have a lower plan, your out of pocket max would be no where near that.

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Because $120/yr is more than $0/yr.

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well $0.01/yr is more thean $0yr but that doesn't mean it would be worth it to the hospital.