I went to the emergency room after having pain in my side for a week a few months ago. They did standard tests, including CAT scan, and they said they didn't find anything serious. A week later I received a bill for over 5 thousand dollars. I sent them what they requested for a payment plan (bank statements, etc). I am willing to repay this debt but the problem is I have no medical insurance and I am a full time graduate student. I plan to graduate in june of 08 and hope to get a job soon afterwards. I am living off of a student loan but any money I have left over every month I would like to save for an emergency (car repairs, dental bills, etc) that may come up. My question is, do you think the hospital would allow me a moratorium (suspension of payments) until I graduate and secure a job (which would be in june of 08)? I am just afraid that if I can't pay them now they will sue me or take me to court.
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They may still report you to a credit bureau, but if you are attempting to make monthly payments (even if they are small), you can at least prove that you are trying to pay. Let them know your situation, see how small of an amount they will allow you to pay, and take it from there. At least try to send $5.00. It won't stop the calls from them, but I don't think they can turn you over to collections as long as you are paying them...but I don't know that for sure. Good luck!
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