Godly Man
@WWCUE
11 November, 02:25
I’m seeing people struggling financially out here due to medical bills. I’ve been through this too. Let me try to help.
If you get a large medical bill from a hospital never, ever put that bill on a credit card. Let them manage it. If you can’t pay it…When they get tired of trying to collect it they will sell it to a debt collector.
You owe the debt collector $0… NOTHING. There is no contract between you and the debt collector. And the hospital was already paid. If they call just tell them thank you for paying your bill because that’s what they did.
Any debt for medical bills that goes unpaid NEVER goes against your credit and can’t be held against you in any way when applying for credit (according to my banker).
Folks, I pay my bills. But the hospitals, while they’re not trying to kill you, are trying to suck you dry. And if they can’t they’ll sell your debt to a low-life parasite who specializes in sucking blood. So, fuck them.
If you get a large medical bill from a hospital never, ever put that bill on a credit card. Let them manage it. If you can’t pay it…When they get tired of trying to collect it they will sell it to a debt collector.
You owe the debt collector $0… NOTHING. There is no contract between you and the debt collector. And the hospital was already paid. If they call just tell them thank you for paying your bill because that’s what they did.
Any debt for medical bills that goes unpaid NEVER goes against your credit and can’t be held against you in any way when applying for credit (according to my banker).
Folks, I pay my bills. But the hospitals, while they’re not trying to kill you, are trying to suck you dry. And if they can’t they’ll sell your debt to a low-life parasite who specializes in sucking blood. So, fuck them.
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One more small, but important, tip to remember when the creditors or collection agencies come calling: All calls are recorded.
Never acknowledge that the debt is yours! Tell them you don't know what they're talking about or flat out deny you owe such money. Technically, you DON'T owe any collection agency anything, so remember that if you feel bad for "lying"! 😉
Don't apologize for not being able to pay or tell them you "might be able to pay something a bit later", etc. In doing so, you've acknowledged that the debt is yours. They're sneaky as all get out in ways to get you to say the wrong thing. It's best to keep calls short & speak as little as possible.
The credit reporting agencies have a certain number of years they can keep a debt listed. It varies by state, but generally 5-10 years. Every time you talk to a creditor/agency and acknowledge the debt, that clock resets! Best thing is never talk to them at all, if possible! 👍
Never acknowledge that the debt is yours! Tell them you don't know what they're talking about or flat out deny you owe such money. Technically, you DON'T owe any collection agency anything, so remember that if you feel bad for "lying"! 😉
Don't apologize for not being able to pay or tell them you "might be able to pay something a bit later", etc. In doing so, you've acknowledged that the debt is yours. They're sneaky as all get out in ways to get you to say the wrong thing. It's best to keep calls short & speak as little as possible.
The credit reporting agencies have a certain number of years they can keep a debt listed. It varies by state, but generally 5-10 years. Every time you talk to a creditor/agency and acknowledge the debt, that clock resets! Best thing is never talk to them at all, if possible! 👍
07:06 AM - Nov 12, 2023
In response Godly Man to his Publication
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