Hi all, I've been suffering from chronic kidney stones that have put me in the hospital a total of 5 times this year and I've managed to rack up about $4000 of debt with the hospital but am unable to negotiate the bill due to their finical office being closed due to coivd-19. I also have not received a bill from the hospital or a call from them so it seems like they only go direct to collections. I have tried to contact the collections company but both the numbers the hospital gave me are disconnected. I also haven't received an collections notices in the mail the only indication that I have the collections report is the ~90 point hit on my credit score. I've filed a dispute but I have no idea if anything will come of it. They could have been attempting to call me but I get well over 200+ spam calls a week that are auto-blocked by T-Mobile's scam shield.
What should I do? The hospital is running me around in circles and even if I could afford to pay the debt debt off in full (I am in the extremely low income bracket as well as being a full time student) I have no way to contact the debt collector. Is there some other way to pay off my debt without going through the collector. I am also unable to take out a credit relief loan due to the collections report pulling my credit score down too low.
Sorry if this is kind of rambly I'm just at a loss for what to do and I've been trying to build a good credit score for the past 4 years and this one collections report has wiped away all my progress so much that I couldn't even think about opening any new beneficial accounts if I tired.
Also I should mention that with my current budget if going by the 50+30+20 method I can afford to pay roughly $180 a month towards my debt if I'm not saving a cent. My savings were recently wiped out by being out of work for about 2 1/2 weeks due having surgery (for the kidney stones.)
Submitted December 04, 2020 at 11:24PM by Micim98 https://ift.tt/3osEa8a
