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crystal | Can a hospital bill ruin my credit If i dont pay it in full? |
I don't have insurance, and I got a bill for $600 and then another for $200. I dont have that kind of money, I sent in $50. and when I get paid next I plan to send more. But will it be bad credit if I dont pay it in full.
and one more question. My b/f has one, for $900, pilled up. He has yet to pay on it. How long till its on his credit report? |
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socalsdbm
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definitly call the doctors office or hospital and start a payment plan. they'll work with you cuz they just want ther money. but do it soon before it goes to collection! sometimes something can go for 6 months before it goes to collections or only 30 days. as long as you set something up with them it'll all be ok. if you want after that go to your credit report and write that youve amd payment arrangements. so when your credit report is pulled, creditors will see that your paying it. |
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xphillipjrx
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It will definitely mess up your credit if you don't pay. The good part is that medical collection balances in the hundreds won't have to be paid if you're applying for a mortgage. If you had a bill of a few G's then it would be a different story. For the rest of you out there: You have a year to make sure your insurance company pays the hospital bill. The hospital will bill YOU if they don't have the correct insurance info. Your insurance company may require you to pay the bill and then they will pay you back. It is not excuse to say, "Well, my insurance shoulda paid that". |
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sugarBear
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Yes, it can ruin your credit & it will ruin your credit. You need to speak with the billing department & ask them if they can work out a payment plan with you b/c if your just paying them little by little right now without talking with them first, they will indeed send this bill to a Collection Agency who will report you for non-payment to the credit bureaus. Same goes for you b/f. |
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mannon
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Ask the hospital if they will make a payment arrangement with you. They most likely will, since you have already made one. I would think that they would be happy to take a $25-$50 a month payment, if you make it every time it's due, and on time. Yes, it will definitely go on your credit report.
Your boyfriend probably has already been reported, if it has been over 60 days. And guess what? Hospitals now not only report to collection agencies, but they take people to court for non-payment. If your boyfriend is really that hard up, then he needs to go on welfare, or SSD - and get his hand out of my pocket...sign me sick and tired of paying other people's bills and support a family, too.
BTW, names can be turned over for non-payment and not violate HPPA. Read the fine print (the really scary part is about government access to your records themselves.) |
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dan22man
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It will affect your credit only if you stop paying. But if you pay them even just $10 per month ,they can't do anything to you.Compare to credit cards they're not allowed to impose any fees or interest. |
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DollyLama
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First you will still owe the bill, and they have every legal right to collect, but only for themselves, if they report to the credit bureau or turn over to a collection agency, they are in violation of the HIPPA act enacted, its the patients right to not disclose any medical conditions,etc. and doing so to any other 3rd party, credit bureau or collection agency, you can get it removed. |
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Ms. FairyLove
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Yeah, it will screw up your credit, your best bet would be to call the billing department and explain your financial situation and set up a payment plan that you can afford so that you are not breaking yourself or skipping payments becauce you cant afford them, but paying something at least shows you are making an attempt to pay the bill off. |
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ADB
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once you are 30 days late it will most likely be reported, go to collections and yes that will be the start of your bad credit record. |
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just hanging around
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it will din your credit. make a payment plan. for second question, it may not, if it doesnt go to collections. |
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scorpio1120
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It will only be bad if you do not pay anything. You can make payment arrangements so that your account does not go to collections. As for your b/f, if he has not made any arrangements and does not pay anything, then his account will be turned over to collections and this will be placed on his credit report soon. |
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