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Medical debt is, in fact, the most common type of overdue collection account on American credit reports. Ignoring bills you owe is not good advice.


If you can't pay then you can't pay. Don't make yourself crazy over it, and you'll certainly not lose your house.

Even if recorded on a credit report it does not adversely affect your credit score.


That's not completely true.

I have personal knowledge of a Children's Hospital taking the home of the parents of a 13 month old infant who received a liver transplant and had ran up at 3 million dollar bill in the hospital.

A little backstory -- I love to volunteer. Fire/EMS, STEM, Kids, you name it, if it's a cause that I support, I'll generally be there with a bell if I've got the free time. One of my non profits that I do a fair amount of technical and 'feel-good' work is a foundation that caters to small children who have terminal or other serious illnesses and helps their family out.

One night in 2013, a rather distraught woman came in saying that Children's had placed a lien on her home because of the unpaid medical bills; apparently, they had moved, civil service sucks in Ohio, and had a default judgement against them. New collections company comes in, finds this family, and then places a lien on her homes, car, and gets a court order to garnish their bank account.

Ultimately, it took a pro-bono attorney about 80 hours to get the entire mess cleaned up. Today, the little guy is almost 4 and the family has a clean title on their home and car, and as long as she keeps less than $2K in her checking account at all times and only has the one home and one car, Children's will never come after her for the money that is owed, and in 3 years, they'll wipe away the debt.


You are just plain wrong and the advice you're giving is dangerous. Please stop.

http://www.cnbc.com/id/101693679

http://www.nytimes.com/2009/11/25/health/policy/25bankruptcy...




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