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What can I do about Medical Bills?
My debt is close to $21,000, although all but $400 are medical bills. That is a big bite to chew, especially considering most of the bills are questionable to why insurance didn't pay in the first place. These bills have dropped my score down to the 550 range, and I don't know how to go about cleaning it up. Other bills are easier, and they are ranging between $25 and $150 bucks. The medical bills are between $100 and $8000 a piece. Is there a statute of limitations on how long it can stay? And also, if they do clear off, is that actually a good thing? Does any indication of that bill linger behind?
Asked by
jennagirl
1 year ago
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Those bills will stay on your credit report forever but they will only affect your credit score for about 7 years. If you have insurance you should work with the hospital and the insurance company to figure it out. Sever years is a long time to have bad credit.
hardeight 1 year ago
1. You should work with your insurance company. If they wrongly denied a claim then there is usually and appeals process and ultimately court if they are in violation of your policy.
2. If you owe you owe. The responsible thing to do would be to pay the bills off. If you can't afford to make the payments, call the creditors and try to work out a payment plan. Those bills can stay on your report AND negatively impact it for as long as they try to collect. Do step 1 first. Then do the right thing and pay what you owe. Qualifying a debt as a "medical bill" does not mean you shouldn't have to pay it.
robert0380 1 year ago