I have around $3000 in hospital debt from a year ago. I'm unemployed and will probably be homeless soon. My question is, is hospital debt a terrible thing to have? Will this end up being something that really fucks me over later on? I'm terrified of being in debt but I have no way of paying this off. I live in America.
The last thing you think about is some petty debt from years ago. Yes, obviously you should check your credit, but even if its shot you can just make a bigger deposit for rent or whatever the fuck.
What you need to focus on now is job apps and your plan to avoid being homeless. If there is nothing you can do, get a job asap and live out of shelters until you get a check or two.
>>18620988
Yeah I don't know what to do. It's a small southern college town. I've been searching for a job for a year now and nothing is coming up, everything is taken.
I had a similar issue. The hospital will probably send it to bill collectors and it will probably ruin your credit score. The collectors told me that the hospital can take you to court if they really want to. You really need to focus on getting a job and saving money to pay off the debt and to prevent from going homeless. If you can, I would also recommend maybe asking relatives for help. It may hurt your pride, but you should swallow it if things are this bad.
>>18621000
Go into fast food and retail places and talk to managers directly, informing them of your situation. I've been chosen over other candidates if nothing else by this one differing factor when I was in a similar situation
>>18621000
You clearly haven't been looking very hard.
Go to your hospital financial section.
Tell them your story.
They'll either bring your debt down to like, $50, or wipe it off completely.
It sounds weird, but they need to have a lot of losses to justify having their non-profit status.
https://www.nerdwallet.com/blog/health/managing-medical-bills/negotiating-medical-bills/
http://health.usnews.com/health-news/patient-advice/articles/2015/01/08/how-to-pay-medical-bills-you-simply-cant-afford
Good luck OP!
As long as you don't have student loans, you can always declare bankruptcy as well. It's not the end of the world if you do this.