Bad Credit Agency

Bad credit or not bad ...?

Why is it in the USA that a personâ??s good name and credit rating is ruined for not being able to pay extreme hospital bills? Assume someone is taken to the ER via ambulance and is gravely ill, after a protracted stay in the hospital they amazingly survive, only to face bills surpassing $300,000. Before being ill they worked a full time job but had no insurance. They always paid bills on time and had excellent credit. What does the lack of ability to pay that unexpected Hospital bill have to do with their willingness to pay back a credit card bill or a car loan? They are not deadbeats; they are victims of a flawed system that allows the working poor to be fleeced. Not being able to pay a medical bill should in no way affect your credit rating in my opinion, people that max out 5 credit cards buying items they cannot afford should suffer the indignity of bad credit, not honest everyday working Americans who just happen to get sick. What do you think? I could get into the debate over the pros and cons of socialized medicine but thatâ??s not my issue here. The simple question is; does an unexpected medical bill constitute a loan? You donâ??t ask for it, and they surely didnâ??t check to see if you were able to pay it back before it was granted on your behalf, so if you have to pay it back slowly or even file bankruptcy because you cannot, should it count against your credit rating when you never agreed? If while you are on vacation a contractor pulls up to your house and renovates it without you signing a contract is there a court in the world that would hold you liable â?¦ that could hold you liable? Would they ruin your credit if you didnâ??t pay it? Food for thought. As for being responsible for yourself, the law does not allow a patient to refuse medical care (AMA) when they are endangering their own life, not only by threatening their own life, but by refusing care that a paramedic may deem neccessary to save their life. Do they still have to pay in that situation? Last bit of info. I asked this question because it hard to see people refuse the obvious care they need because it would destroy them financially too obtain treatment. I had to leave a person with his ear cut off because he could not afford it. His life was not in immediate danger so I could not force him.I guess gays getting married and flags burning are of a much higher priority than affordable healthcare and insurance for all.

Public Comments

1. no credit...15
2. You are responsible for yourself. If you do not have the financial resources to pay for medical care on a pay as you go method, you should have purchased insurance. The fact that you did not find a way to protect yourself from medical costs says that you are not as good a credit risk as you think you are. Hospital bills, in most cases do not count against you as much as bed credit card debt, but you still need to take responsibility for yourself. You may find that there are charitable programs to help you with some of your bills, but you need to make the effort to get a payment program in place!
3. The reason medical bill debt destroys your credit even though it isn't in the same category as other credit is simple: the medical providers have the right to obtain judgments against you. Once those are in place, any other judgment creditors will have to compete with the medical providers to collect if they, too, end up having to sue to collect debt. Thus, unfortunately, whether you asked for the problem or not, having judgments or the risk of future judgments against you makes you a poor candidate to extend credit to.
4. that person who has no insurance should have gotten insurance on there own because of the just in case factor it is there fault for not doing that. hospitals also allow you to make payments you just have to talk to the right people
5. I think you're right.The American health care system should have absolutely nothing to do with your credit record.Its not like a purchase you decided to make on your credit card and shouldnt be treated as such.For something mandatory like medical treatment there should be some other avenue of recourse besides ruining someones credit because of a situation they had no control over.It kind of makes you think American health care is more about money than helping people.

* Some answers may have been provided by Yahoo! Answers.