(The part in red) I don't know who told you that, Scott, but that is not true. Once a medical bill goes to collections, it most definitely goes against your credit. If it then becomes a judgement, it gets even worse for your credit score. If they then begin placing liens on your property or garnishments on your wages... it gets that much worse. Indigent or not, it doesn't matter unless the hospital decides to write the debt off. And even if they do that, you'll still see several bills before they decide to write it off. If they don't make some effort, they can't write it off and get the tax break. I'm getting ready to write off a debt for a loan I made in 2009. But to get take the loss on my taxes, I have to serve the guy, take him to court and get a judgement. I have to show that I made some effort and it is indeed an uncollectable debt.
When I got into a battle with my insurance company a couple of years ago over a (supposed) pre-existing condition that they claimed I hadn't divulged (I was 5 years old when I last got sick with something similar!!! Can't say that I remember much that happened when I was 5 years old), I got trapped between a crooked insurance company (Wells Fargo) and a quack doctor who wanted his money (I don't know about you, but $50 grand isn't something that I keep in the bedside night stand). The doctor was going to send my bill to collections. He said I should pay it all and then
I should fight the insurance company on my time, not his. Fine. I said I'd place a lien on his house for not providing me with adequate medical services. His incompetence had damaged me to the tune of... $50,000. He found out, through his attorney, that I could do that, though it wouldn't be any problem getting it removed... in 3-6 months - just enough time for me to wreck his credit rating.
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At that point, he decided to join my team and help me fight the crooks at Wells Fargo to get the claim settled. So at the end of the day, I ended up paying (out of pocket) about $10 grand and the Wells Fargo crooks paid the other $40 grand +/-. But they thought they had me over a barrel because most people probably don't have as much experience with the legal system, judgements and liens as I do. The average professional would just think,
"Fuck! I can't let my credit rating get whacked. I could lose my job over a judgement or a lien. I'll do whatever they tell me to do to prevent that." I thought,
"You fuck me and I'll just fuck you right back. See if I'm bluffing."
The American medical system is good & bad. It all comes down to which doctor you go to or which hospital you end up in. I was in a hospital in Mississippi and I felt lucky to get out of there alive. I was in a hospital in Northern VA and I felt like they could have cured me of anything. But insurance companies? I'd pay my last dime to hunt an insurance company executive for sport. I wouldn't want to kill him. So I'd use a small caliber weapon and use dogs to run him down. I'd want to watch him die from fear and exhaustion... not a bullet wound.
As for Ulysses, my Mississippi hospital visit was caused by a disc in my back that shifted and pinched a nerve. That caused severe "spasming" (is that a word?) and that caused swelling... which caused more spasming. It hurt like nothing I've ever experienced. I actually collapsed face first onto a desk while trying to check into the hotel. But it didn't go away - as I was leaving town, I collapsed face first at the security area in the airport (funny how one guard jumped away from me because I scared the poor bastard when I went down). I know almost nothing about medicine, so I wouldn't pretend to have any idea about what might have gotten you. But however you do it, you definitely need to find a doctor to go to because the next time, you might not have time to get to the doctor.