> Took me over 2 years to pay all of it off. It pretty much wrecked my personal finances
Why did you pay it then? Tell the hospital you can't pay and move on with life. If you do well financially pay it then.
> threats from collection agencies finally forced me to put it all on my credit card
I don't understand this. Why do you even answer the phone when they call? Or open the letters they send?
Just ignore them, and when you are ready to pay, then pay the hospital directly.
Completely ignore the credit collection agencies. They are utterly impotent, especially when it comes to medical debt which has no effect on your credit score.
I mean it - completely ignore them. I don't mean answer the phone, listen to the threats and ignore it. I mean utterly ignore them. You have caller ID.
Any letters get placed unopened in a box.
Why did you pay it then? Tell the hospital you can't pay and move on with life. If you do well financially pay it then.
> threats from collection agencies finally forced me to put it all on my credit card
I don't understand this. Why do you even answer the phone when they call? Or open the letters they send?
Just ignore them, and when you are ready to pay, then pay the hospital directly.
Completely ignore the credit collection agencies. They are utterly impotent, especially when it comes to medical debt which has no effect on your credit score.
I mean it - completely ignore them. I don't mean answer the phone, listen to the threats and ignore it. I mean utterly ignore them. You have caller ID.
Any letters get placed unopened in a box.