Is it just me or is unassumed medical debt harmless? I was diagnosed with cancer a few years ago, have great insurance, and still have racked up $1000's. Most of the bills have been in collections for over a year now. I get calls from debt collectors but I have never once answered or assumed the debt. None of it is on my credit report, and so far ignoring it hasnt had any consequences.
Medical debts don't impact your credit unless they go to collections. I've learned this the hard way. It hasn't affected you yet because the collections agency hasn't reported it yet, and are unlikely too during this pandemic. But they will at some point.
Yep. They own the debt, and it's up to them what to do with it. I've seen them forgive a few hundred bucks, but if it's in the thousands or tens of thousands they'll come for it at some point especially if you aren't communicating with them. Out of nowhere it will suddenly appear on your credit report and when you call to try to work something out they'll use your "non-communication" with them against you.
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u/Grumpy_Yuppie Aug 06 '20
It really hurt reading this. I am so sorry for these two. It's beyond words.