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this post was submitted on 06 Aug 2023
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In my experience, they sell the debt to a collection agency and you start getting nasty phone calls. That, on top of the other stuff you would expect like credit history hits. These charges I got insurance to figure out they were bogus, like billed for receiving treatments my grandmother never got, medications never administered, you name it. Took a lot of phone calls and getting a lawyer though. The whole system is irredeemable.
OH MY GOD THEY CALL YOU. THE HORROR! WHATEVER WILL I DO?
Seriously, though, who cares? All you gotta do is not pick up the phone. If you're younger than 40, you're not answering calls from random numbers anyway. So they ding your credit. Big freakin' deal. Credit scores are pointless since none of us can afford to use credit anyway. And it all goes away after 7 years, like it never happened.
The only people who agree to pay hospital bills they can't afford are suckers.
Grow the fuck up.
Medical debt will ruin a person's credit record, denying them access to housing and even some employment. It absolutely does matter and is not trivial.