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Question By
Roabmejo2014

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I owe for a medical bill when I did not have insurance - What should I do?
It is wreaking havoc on my credit score and would appreciate any advice

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The other advice given is not only very rude but not good either, so do not give any attention to it. Now, let me try to help you.

Do some google searching on Hippa and paying medical collections as there is a way that people have been successful getting medical collectioins removed this way. You still have to pay it of course. Simply paying the account is a BAD IDEA as it would just be marked as "paid" rather than removed and that would do little to help your credit. If you haven't done so yet, you can contact the medical provider and ask if they would accept your payment in exchange for pulling the account back from the collection company and removing it from your reports. You would need to be ready to pay the account IN FULL when contacting them about this. Do some reading on the HIPPA & REMOVING MEDICAL COLLECTIONS first though. Also do some reading on "pay for delete agreements".

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Not everyone has insurance.  Those that do not have insurance pay their medical bills by cash, check or credit card, but they PAY them!  You should pay if you want the credit havoc to end. Read the articles on this site.

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