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How do you handle hospital bills that are sent six months plus later then to collections? Do you pay the hospital or deal with collections? (lemmy.selfhostcat.com)

submitted 6 days ago by [email protected] to c/[email protected]

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Hospital says payment plans don’t work since it’s gone to collections…

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[–] [email protected] 3 points 5 days ago (1 children)

100% this.

Don’t just ignore it because they can sue and if you ignore that then you’ll get a default judgment against you which you actually will have to pay even if the original claim was complete bullshit.

On the other hand, if you demand they provide actual proof of the debt they will usually not have it and will just go away.

[–] [email protected] 1 points 5 days ago* (last edited 5 days ago)

A default judgement just reitterates the debt. If they don't garnish your wages or seize your tax return or put a lein on your property, none of which they can do for most categories of debt, there is no reason to treat a judgement as anything more substantial than another harrassing letter/phone call. I'm not sure it even hits your credit report as new activity.

99% of creditors won't bother to sue in any court that has jurisdiction over the debtor. They "sue" in "courts" that rubber-stamp all "debts"(for multiple debtors at a time) to no meaningful end, other than they can now say they took you to court and you lost, so now you should totally give them money or they'll ... "sue" again.