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I've had medical debt for years without it hitting my credit so I thought this was already passed?
I had heard that medical debt cannot effect your credit. Believe me it can. I had to have a malignant melanoma removed from my back. I put it off until it nearly killed me (quite literally, they told me it was 2mm from my bloodstream and would have killed me if it got there) so I could afford insurance before I got it looked at. I received two bills. My wife was in school and I was making 34k a year for both of us to live on.
For one bill they let me pay $50 a month. The other bill they wouldn't accept anything less than $200 a month which was completely undoable for me. I told them they could get $50 a month from me or never see a penny. Two months later it was sold to a collection agency and immediately knocked my credit down by about 150 points. It went back up by that amount seven years later. They never got a cent.
Same here. Currently have a bunch of collections agencies calling me. Had to havey ankle put back together in November and I didn't have the option to consolidate everything into one bill. I very quickly lost track of who the fuck I gotta pay at this point. I'm just going to pay them off one at a time until it's gone. I can't handle working with 10 different medical billing departments that work the same hours I do. I had to take an entire day off work when the bills first came in to get it figured out, and then a month later I got more for different things and I gave up. I just have a stack of bills that I'm going to be going through and paying what I can online then go from there. I've been actually trying to pay this shit, but idek what's what. Life pro tip: don't break your ankle as spectacularly as I did. It's nothing but trouble
I was under that impression, too.