Need a loan

[Homerboy]

Medical bills are ALWAYS negotiable. They will work with you A LOT. I have had many instances where, even without a plan in place, I just sent them $100 or whatever every month and they never said a thing. And even if you want to do a plan, they will work with your A LOT. They are going to say 12-24 months out of the gate and try to stonewall you there, but they will go longer. Easily.

If you really need a loan, I can not recommend SoFi.com enough. They have been great for me.

 

[sdifox]

If you really don't want the hassle of dealing with the hospital here's an offhand way to perhaps get around it, if you have good credit:

Finance $5000 with the hospital.
Apply for a CC with a 0% intro rate (preferably for 18 months)
Finance the other $5000 with the CC
Pay the small minimum on the CC every month
When the 18 month intro period is over get a new CC
bounce the balance back and forth until you're ready to attack it head on

Banks are throwing out CC like candy, especially if they like your credit history. I have around 18 CC, all but one with a zero balance.

Are you trying to give him more debt?

 

[local]

Medical bills are ALWAYS negotiable. They will work with you A LOT. I have had many instances where, even without a plan in place, I just sent them $100 or whatever every month and they never said a thing. And even if you want to do a plan, they will work with your A LOT. They are going to say 12-24 months out of the gate and try to stonewall you there, but they will go longer. Easily.

This is what I did before. Had a few k in bills they wanted me to pay over $200/month, I told them that I will pay them $100/month and they can get all their money or they can sell it for less to a bill collector and I won't pay it at all. They took the $100 a month. In another instance I just sent in $100/month until it was paid off, I kept getting alerts that I needed to pay it all but nothing ever happened and I paid it off over about 10 months.

 

[highland145]

Can you discharge medical debt in bankruptcy now?

Yes. That's always been one reason people file.

 

[Homerboy]

This is what I did before. Had a few k in bills they wanted me to pay over $200/month, I told them that I will pay them $100/month and they can get all their money or they can sell it for less to a bill collector and I won't pay it at all. They took the $100 a month. In another instance I just sent in $100/month until it was paid off, I kept getting alerts that I needed to pay it all but nothing ever happened and I paid it off over about 10 months.

Yeap. Generally speaking from my experience, if you send them some money (I'm guessing more than $2/month) and do it regularly and consistently, they are not going to drop the hammer on you.

 

[T_Yamamoto]

Guys, we're all in a necrothread.

Person who originally posted got the ban hammer (as the message is missing), but I replied to it a page before.