Thanks for watching! As I mentioned, you can take our Debt Relief Calculator here: tryascend.com/qualify/calculator/quick/ytdontpaymedicalbills If you have any questions, feel free to give us a call at 833-272-3631!
Oh my goodness, I am so sorry. Will the hospital write it off as bad debt or what's happening? If helpful, give us a call at 833-272-3631 to chat about options.
File for charity care with the hospital and or speak to a medical bill negotiator. We make sure insurance pays what they’re supposed to and the doctor/hospital is billing appropriately.
I'm under the impression that once the debt goes to collections even if you settle your debt the hit on your credit score still stays on your record for the full 7 years ?
Correct, it would be on your report for 7 years until it drops off. However, if the account shows settled, this isn't really a "red flag" like a bankruptcy on your report is.
My spouse had insurance through my work. We went to ER and insurance company doesn’t want to pay. It canceled both our insurance and says we were not covered. While it’s not true
I got into a car accident while I was on my way yo pick up a door dash order. It was recorded on my dash camera. After I got into an accident I unassigned from the order cause I knew I wasn’t going to make it to the restaurant. I called doordash to start a claim and they denied my claim. Now the hospital is harassing me to pay the bill. A lawyer told me he can try to force doordash to pay the bill if I pay him $1,500
I am so sorry to hear that happened to you, I hope you're okay now! Hmm we are not attorneys so this sounds like a case for a lawyer because they can walk you through your options. We only help with debt relief but this involves another party so there is a question of liability. Let us know what they say!
What if you really can't pay the debt? Im on disability income and my rent takes most of my money, i am also paying for credit card debt and i am owed almost another 3k in medical bills. I cant pay it because i dont have the money, what do i do?
I went to this urology place more than a year ago. They were ungodly expensive and didn’t take my insurance. I only went one time and it was well over $300. Since then my practitioner suggested going there again after another complication I’ve had. I cancelled the appointment dreading the costs again. Well guess what? I’ve never been harassed about a bill but for some reason after I cancelled that appointment they’ve been harassing me ever since. If they sent that to collections wouldn’t it be fraudulent anyway and I could counter Sue saying they have bought bad debt and counter sue. What should I do?
@@AscendFinance no I didn’t speak to an attorney but I have spoken to their finance department and the lady fixed it for me. I haven’t gotten a bill in the mail since so..
Hlo sir last month I got my 1000 dollar bill of hospital in Canada I am student and now they send me and 2 days before they send me final notice to pay bill soo I have my student insurance soo I want to know I want to pay now sooo they can they any action on me plz reply ?
Hey Tom, have you called your student insurance and asked if they will cover the bill? The fact that they are sending a final notice makes me think that they didn't know you had insurance or something. Let me know how it goes.
Unfortunately a medical bill could be sent to collections and you may be garnished on because of it. It is still considered unsecured debt. Let me know if I understood your question correctly or not!
It took 3-4 years before they came after me. I went to court. I paid Pennies on the dollar. Also, don’t be a slave to a credit score. It’s pointless. All credit does, is put you in debt. It’s not hard to show up to the courthouse and just tell the mediation “hey I’m broke”. You will pay maybe 30% and or make small payments
Great point! You can try to negotiate on the debt to get it down and then rebuild after. Getting out of debt as cheap and quick as possible is the goal for a lot of people.
@@mikeschmidt3382 for instance. a payment wasn't made for two years, there is five years left until it falls of your credit. if you make a payment at two years the clock is reset to seven again.
United Healthcare is the worst. I have eob statements for thousands of dollars for out of network labs ordered by my in network doctor. Almost no in network doctors in my area. The eob statement quote my portion over the maximum yearly out of pocket. How does that work? Call them, same song and dance of basically we do what we want to answers. These labs are simple for things like blood sugar, strep, flu. This is shameful
Gosh, yeah the healthcare system can be complicated.. would love to chat on the phone to better understand what your situation is. Could you give give us a call/text at 833 272 3631 or schedule some time on our calendar here calendly.com/ascnd/call
Couldent you just say - "I worked with the hospital, not some collection agency." and not pay the agency? Like.. you haven't consented to the transference of debt right?
Hey, it may depend on what you signed when you got connected with the hospital. Did you sign something that allows them to send unpaid bills to collection agencies?
What if i waited for a year they said that since a year passed it wont go through and Molina my healthcare said i had medical active but the collection agency said i didnt which is dumb
It can stop you from getting credit which could impact something so essential as renting an apartment. I was lost in space for years. ‘Thank God for Jesus’ my Mama used to say - and for Medicare and Extended Medicaid.
Should negotiation be over phone, email, or by mail? Also, when a deal is finally reached, what should I request from the collection agency to make sure they hold up their end of the deal? Should I pay with cashiers check and get the letter with the payment notarized? You didn't cover anything of this....
Great questions! Usually people will call on the phone when negotiating. You should get all agreements in writing if you can so you'll want to make sure both parties have a letter with the full agreement detailed. You will want to ask the creditor how they want to receive the funds (bank account, check, etc.) but most people will try to get a return receipt for everything like the letter of agreement or if they send a check.
What if my debt was transferred to collection agency bug i kep paying the hospital payments for a year? Agency called and i told them i'm paying the hospital directly. Agency basically said o.k. an d stopped calling. in the meantime, the hospital contracted out their acconts payable and they have no record of my debt. So what now? it's not on my credit report. What would happen if i had to go back to the same hospital for treatment?
I would check with the hospital - not sure what their records would show. Should be able to prove that you have paid of the debt and if you paid the wrong people you should be able to get a refund I believe
@@crossingworlds1799I've heard that is a viable option in extreme cases. If you ignore them long enough the debt will drop off & destroy your credit(easy to repair) and in some states your wages can't be garnished for medical debt. I would only not pay them in an extreme case as in if I pay I'm gonna end up on the streets. And if it's pay and end up on the streets or run the gambit of not paying up I'm running the gambit.
Thanks for the comment! It is super important to do some research before deciding not to pay and hoping it'll fall off the report because the creditor may take legal action if you don't pay on the debt for a period of time. Let us know if you have questions!
I haven’t paid a co-pay in 10 years every time I get the co-pay bill I just ignore it my credits score is 850 .I just have a thing about giving hospitals and doctors 40 extra dollars on top of the 2000 they billed insurance company.
It should be illegal how they rip people off…. I started a new job last year and nobody would help me sign up for insurance ….6 months later I had to have my pec tendon reattached to my arm….tried getting a price before surgery they wouldn’t tell me nothing …go in to have surgery and they offer to do the whole surgery for less than 10k ….of course I didn’t have 10k just in my pocket …a week after surgery I get hit with a bill for 80k 🤦🏻♂️
I think you may still have 30 days to dispute if it was sent to collections and you can still negotiate with them to see if you can get a lower payment. You can also look into any of the options talked about- settlement, management, and bankruptcy.
@@butterleaf4811 Now just to pay until you are under 500 then screw them after that they cant touch your credit so oh well and i would love to say the most awful things to any debt collectors that try to call I promise it will ruin their day
@@butterleaf4811 and i dont know if you know but medical debt under 500 will no longer be reported to the credit unions. My last hospital bill I figured was a cash grab because I got a bill 9 months later I paid to 499.98 now Im not paying another dollar and they cant touch my credit
What if u were a foreign student who got accident in while driving in your school shuttle then, u go to the hospital and bill is like $5000, so u tell them that the school will pay for it but ur not sure if they did pay for it. After leaving the country for 4 years now suddenly remembering and realizing u have debt but ur not sure what would happen to you if u return to back to that country.
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Thanks for watching! As I mentioned, you can take our Debt Relief Calculator here: tryascend.com/qualify/calculator/quick/ytdontpaymedicalbills
If you have any questions, feel free to give us a call at 833-272-3631!
I just don’t understand how a stomach ache can come out to me owing 60k wtf
Oh my goodness, I am so sorry. Will the hospital write it off as bad debt or what's happening? If helpful, give us a call at 833-272-3631 to chat about options.
I owe 15k over a stomach ache as well no way I’ll ever pay that
I am so sorry to hear you are having to deal with that. Are you looking to get help with the debt? Feel free to call us at 833-272-3631!
I owe. 1300
Have you looked into a loan or to try to negotiate on a payment plan with the creditor?
File for charity care with the hospital and or speak to a medical bill negotiator. We make sure insurance pays what they’re supposed to and the doctor/hospital is billing appropriately.
Thanks for sharing this tip!
The hospital will never bill appropriately. They overcharge for literally EVERYTHING
Agh I am so sorry this is happening to you. Let us know if there is anything we can help with.
they chagred bout 500 me just for a check up and they didn’t even give me medicine or anything 😭
I had blue shield and I got $1600 hospital bill(one month ago) but now I have medi-cal can med-cal pay that amount or no do you have any idea?
Hey, I do not believe the Med-Cal would cover a bill before you were enrolled with Med-Cal, but you can always ask. Thanks for watching!
I'm under the impression that once the debt goes to collections even if you settle your debt the hit on your credit score still stays on your record for the full 7 years ?
Correct, it would be on your report for 7 years until it drops off. However, if the account shows settled, this isn't really a "red flag" like a bankruptcy on your report is.
My spouse had insurance through my work. We went to ER and insurance company doesn’t want to pay. It canceled both our insurance and says we were not covered. While it’s not true
Oh gosh, I am so sorry to hear that happened to you. What did you do to resolve it?
I got into a car accident while I was on my way yo pick up a door dash order. It was recorded on my dash camera. After I got into an accident I unassigned from the order cause I knew I wasn’t going to make it to the restaurant. I called doordash to start a claim and they denied my claim. Now the hospital is harassing me to pay the bill. A lawyer told me he can try to force doordash to pay the bill if I pay him $1,500
I am so sorry to hear that happened to you, I hope you're okay now! Hmm we are not attorneys so this sounds like a case for a lawyer because they can walk you through your options. We only help with debt relief but this involves another party so there is a question of liability. Let us know what they say!
@@AscendFinance I appreciate it.
Of course :)
What if you really can't pay the debt? Im on disability income and my rent takes most of my money, i am also paying for credit card debt and i am owed almost another 3k in medical bills. I cant pay it because i dont have the money, what do i do?
If they take you to court just say I’m broke disabled and can’t pay just be straight up
Sorry for the delay - could you call us at 833-272-3631 if we can help?
Thanks, do you have income they could even take?
I went to this urology place more than a year ago. They were ungodly expensive and didn’t take my insurance. I only went one time and it was well over $300. Since then my practitioner suggested going there again after another complication I’ve had. I cancelled the appointment dreading the costs again. Well guess what? I’ve never been harassed about a bill but for some reason after I cancelled that appointment they’ve been harassing me ever since. If they sent that to collections wouldn’t it be fraudulent anyway and I could counter Sue saying they have bought bad debt and counter sue. What should I do?
Hey thanks for the comment! Have you talked to an attorney about this? When you cancelled the appointment did you still owe the place anything?
@@AscendFinance no I didn’t speak to an attorney but I have spoken to their finance department and the lady fixed it for me. I haven’t gotten a bill in the mail since so..
Oh awesome, I'm glad it was taken care of!
@@AscendFinance Thankyou!
Of course!
Hlo sir last month I got my 1000 dollar bill of hospital in Canada I am student and now they send me and 2 days before they send me final notice to pay bill soo I have my student insurance soo I want to know I want to pay now sooo they can they any action on me plz reply ?
Hey Tom, have you called your student insurance and asked if they will cover the bill? The fact that they are sending a final notice makes me think that they didn't know you had insurance or something. Let me know how it goes.
Hi bro what happened with hospital could you explain please im same
Unfortunately a medical bill could be sent to collections and you may be garnished on because of it. It is still considered unsecured debt. Let me know if I understood your question correctly or not!
Sorry, is it required? They wait 180 days or are they able to report immediately you said both
Hey, I am not sure exactly what the question is, but would you be able to give us a call at 833-272-3631 if helpful?
If you broke you should be have a Medicaid government should be giving Medicaid just don't pay it f credit
Hey! Interesting idea. If you need help with getting out of debt, let us know!
It took 3-4 years before they came after me. I went to court. I paid Pennies on the dollar. Also, don’t be a slave to a credit score. It’s pointless. All credit does, is put you in debt. It’s not hard to show up to the courthouse and just tell the mediation “hey I’m broke”. You will pay maybe 30% and or make small payments
Great point! You can try to negotiate on the debt to get it down and then rebuild after. Getting out of debt as cheap and quick as possible is the goal for a lot of people.
This. Thank you Kyle for this genuine advice. These words should be heard by ALL Americans👍🏾
That seven years clock starts on the last payment you made, chose wisely.
Thanks for sharing your experience. The statute of limitations may be different by state for this type of debt.
What do you mean by this?
@@mikeschmidt3382 for instance. a payment wasn't made for two years, there is five years left until it falls of your credit. if you make a payment at two years the clock is reset to seven again.
What if you never pay for it?
@@arcademode2910 it falls off.
United Healthcare is the worst.
I have eob statements for thousands of dollars for out of network labs ordered by my in network doctor. Almost no in network doctors in my area. The eob statement quote my portion over the maximum yearly out of pocket. How does that work? Call them, same song and dance of basically we do what we want to answers. These labs are simple for things like blood sugar, strep, flu. This is shameful
Gosh, yeah the healthcare system can be complicated.. would love to chat on the phone to better understand what your situation is. Could you give give us a call/text at 833 272 3631 or schedule some time on our calendar here calendly.com/ascnd/call
Couldent you just say - "I worked with the hospital, not some collection agency." and not pay the agency? Like.. you haven't consented to the transference of debt right?
Hey, it may depend on what you signed when you got connected with the hospital. Did you sign something that allows them to send unpaid bills to collection agencies?
What if i waited for a year they said that since a year passed it wont go through and Molina my healthcare said i had medical active but the collection agency said i didnt which is dumb
Sorry about your experience - how much is the debt?
What if you don't have a credit card.? How can it damage your credit if you don't have one?
Great question! I am not sure if you don't have a credit file how it would affect someone. Thanks for watching and sharing!
It can stop you from getting credit which could impact something so essential as renting an apartment. I was lost in space for years. ‘Thank God for Jesus’ my Mama used to say - and for Medicare and Extended Medicaid.
“You’re never getting that money back, I’m stealing from you” “be more parasitic” - Sam Hyde
ffr
Thanks, can you explain what you mean? Sorry!
Should negotiation be over phone, email, or by mail? Also, when a deal is finally reached, what should I request from the collection agency to make sure they hold up their end of the deal? Should I pay with cashiers check and get the letter with the payment notarized? You didn't cover anything of this....
Great questions! Usually people will call on the phone when negotiating. You should get all agreements in writing if you can so you'll want to make sure both parties have a letter with the full agreement detailed. You will want to ask the creditor how they want to receive the funds (bank account, check, etc.) but most people will try to get a return receipt for everything like the letter of agreement or if they send a check.
What if my debt was transferred to collection agency bug i kep paying the hospital payments for a year? Agency called and i told them i'm paying the hospital directly. Agency basically said o.k. an d stopped calling. in the meantime, the hospital contracted out their acconts payable and they have no record of my debt. So what now? it's not on my credit report. What would happen if i had to go back to the same hospital for treatment?
I would check with the hospital - not sure what their records would show. Should be able to prove that you have paid of the debt and if you paid the wrong people you should be able to get a refund I believe
Don't pay, they'll eventually buzz off after some years of ignoring them.
@@crossingworlds1799I've heard that is a viable option in extreme cases. If you ignore them long enough the debt will drop off & destroy your credit(easy to repair) and in some states your wages can't be garnished for medical debt.
I would only not pay them in an extreme case as in if I pay I'm gonna end up on the streets. And if it's pay and end up on the streets or run the gambit of not paying up I'm running the gambit.
Thanks for the comment! It is super important to do some research before deciding not to pay and hoping it'll fall off the report because the creditor may take legal action if you don't pay on the debt for a period of time. Let us know if you have questions!
Happened to me just stopped paying, my credit score never got hit
My meducal bills are never on my credit report
Based on the new laws, if it's smaller than $500, they cannot put it on the credit report
Sorry for the delay - could you call us at 833-272-3631 if we can help?
thanks!
I got 200,000
In medical debt?
I haven’t paid a co-pay in 10 years every time I get the co-pay bill I just ignore it my credits score is 850 .I just have a thing about giving hospitals and doctors 40 extra dollars on top of the 2000 they billed insurance company.
Thanks for the comment! Have they tried collecting at all?
@@AscendFinance yes but anything under 500 cant legally go on your credit report
Ohhh I see. Let us know if you have any questions or if anything changes.
Are you not concerned about the possibility of wage garnishment?
@@arcademode2910 Yes, it keeps me up at night lol
Moral of the story: if it’s going to take more than 7 years. Don’t bother
Thanks for the comment! If you have any questions, let me know.
So basically don't pay that crap and you'll be fine ? No jail time of sued or legal fine?
@@MikeyLee559 nope
It should be illegal how they rip people off…. I started a new job last year and nobody would help me sign up for insurance ….6 months later I had to have my pec tendon reattached to my arm….tried getting a price before surgery they wouldn’t tell me nothing …go in to have surgery and they offer to do the whole surgery for less than 10k ….of course I didn’t have 10k just in my pocket …a week after surgery I get hit with a bill for 80k 🤦🏻♂️
Sorry for the delay - could you call us at 833-272-3631 if we can help?
What if the hospital collected debts over 2-3 years and turned them in one bill and then sent them to collection
I think you may still have 30 days to dispute if it was sent to collections and you can still negotiate with them to see if you can get a lower payment. You can also look into any of the options talked about- settlement, management, and bankruptcy.
Hey TH-camrs- Please stop the Jerk-Cut editing!
Appreciate the feedback.
Happy in New York it’s illegal for anything under 500 to be on your credit report
Oh interesting! Thanks for sharing that!
not just new york thats country wide
@@BeMobile414 anyway it’s an old post I’m sure it’s been updated now to others
@@butterleaf4811 Now just to pay until you are under 500 then screw them after that they cant touch your credit so oh well and i would love to say the most awful things to any debt collectors that try to call I promise it will ruin their day
@@butterleaf4811 and i dont know if you know but medical debt under 500 will no longer be reported to the credit unions. My last hospital bill I figured was a cash grab because I got a bill 9 months later I paid to 499.98 now Im not paying another dollar and they cant touch my credit
What if u were a foreign student who got accident in while driving in your school shuttle then, u go to the hospital and bill is like $5000, so u tell them that the school will pay for it but ur not sure if they did pay for it. After leaving the country for 4 years now suddenly remembering and realizing u have debt but ur not sure what would happen to you if u return to back to that country.
Oh gosh! That's a hard situation. It may be helpful to speak to an attorney to know for sure what might be helpful.
@@AscendFinance ok I will, do you think they add interest on the bill if it's not paid ?
There shouldn't be interest on the medical bills. Were you able to chat with an attorney?
I’m not paying the hospital they charged my insurance and still expect me to pay full price
Agh that is so frustrating, I'm sorry you're going through that. Have they tried to collect?