The best idea although controversial is to not pay the bills. No matter how many calls you get from collections, medical bills will not effect your credit score. This is thanks to new legislation that prevents medical bills from going on your credit report.
Go on the offensive and threaten to sue the collections agency's that call you. Make sure you know that you will never pay them back. These callers are people too, although they are trained they won't mess with you if you are experienced enough.
Not paying these bills gives you more room to leverage negotiating the debt. Debt is often sold for cents on the dollar and the new owners need less money to recoup the investment. Also try negotiating in the business office at your hospital, if you are assertive and threaten not to pay they will lower the price.
No comments:
Post a Comment