Medical Bills and Collection

I may be wrong here, but I thought medical bills don't affect your credit score, so I'd pay a minimal amount to the medical bills and tackle the electric one first. I don't know if this is an option, but I got hit with a $900 medical bill this past month. I borrowed the money from my parents and will make small payments to them until our tax refund comes in and I can pay them off in full.

I agree with TF. I am a contract negotiator with a major insurer. Everything is negotiable. You can ask for a manager and may even be able to negotiate off the total price also as well as payment plans.

I have not had to deal with this personally and I admire you for trying to stay a step ahead.

It sounds like you did the right thing by letting these people know your $$ crunch but that is not enough.

How about making a deal with them to pay as much as you can (your terms not theirs). They will at least be getting some form of payment per month vs nothing. Many people are offering nothing right now...as far as paying off their monthly bills. I think they will budge at a point and the $ amount you are getting right now from them is just a beginning negotiating point to see how much you really will pay them per month.

Don't accept the "no" from the first few people you talk to. Keep callling back until you get the anser you need. Talk to supervisors, etc. I do this with airlines all the time when hubby needs to change a flight and I am told NO. Keep calling back...someone will have a heart and help.

They need people like you who are willing to cover their own expenses but within reason with the economics of today.

Best wishes to you and your family.

As an employer I know that if you did not have a lapse in medical coverage for more than 90 days your new insurance legally cannot consider you pre-existing. Your medical bills should have been covered by the insurance company.

besides the cirro bill, as long as you send the medical bill company something (anything)regularly they cannot send you to collections as you are showing you are making an effort to repay. the calls and letters won't stop but at least you're trying. it would be better to show as a slow pay on your credit report than collections. good luck.

Hello A.,

are there any credit management agencies (like a christian organization)

I googled "christian financial advice"
here are a couple of the links. before you give out any personal info, make sure it's a reputable place.

http://www.crown.org/

http://christiandebtconsolidators.net/google/index.html?g...

Good luck and congratulations on the birth of your new baby.
~C.~

As long as you send them something, they cannot send you to collections. They will try to scare you and intimidate you-DONT let them! Also, tell them that you have sent what you could, will continue to do so and then just let them go-they will try to give you the run around don't stand for it. HTH, keep your head up and btw, Congratulations on your little boy.