A medical bill was sent to collections. What do I do?
October 21, 2013 5:32 PM Subscribe
A medical bill was sent to collections. I am 25 and have no credit and no money. What do I do? Is it even possible to fix my credit?
posted by dekathelon to work & money (13 answers total) 3 users marked this as a favorite
I was in the hospital earlier this year and several bills resulted from this that insurance either did not exist for or did not cover. I paid all of them off but one, which I have $100 left on, and one that my grandmother was paying. My grandmother died two months ago, and they sent it to a collections agency. I got an intermediary letter saying the bill was due but I was afraid to call the hospital and they never sent a final warning or gave me a phone call (which the other bills did). I got the letter from the collections agency in the mail today. The letter says it is listed as delinquent. I do not know if it has been reported to any credit bureau yet. It should go without saying that I have nowhere near the amount it is for ($800 or so at this point) and cannot afford to make even a small monthly payment if I am to make rent this month.
What can I do? I have no idea how this works. Do I call the hospital? Do I call the collection agency? What do I say? What about my credit? I have never had a credit card or done anything to improve my credit and am terrified of it. I literally have no idea how it works and the letter is worded like a lawyer telling me anything I say can be used against me. Plus I don't have any money because I still don't know if I can make rent and I am terrified.