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How do you handle hospital bills that are sent six months plus later then to collections? Do you pay the hospital or deal with collections? (lemmy.selfhostcat.com)

submitted 3 days ago by [email protected] to c/[email protected]

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Hospital says payment plans don’t work since it’s gone to collections…

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[–] [email protected] 1 points 2 days ago* (last edited 2 days ago)

A default judgement just reitterates the debt. If they don't garnish your wages or seize your tax return or put a lein on your property, none of which they can do for most categories of debt, there is no reason to treat a judgement as anything more substantial than another harrassing letter/phone call. I'm not sure it even hits your credit report as new activity.

99% of creditors won't bother to sue in any court that has jurisdiction over the debtor. They "sue" in "courts" that rubber-stamp all "debts"(for multiple debtors at a time) to no meaningful end, other than they can now say they took you to court and you lost, so now you should totally give them money or they'll ... "sue" again.