Originally Posted by NetHorse

That is such ridiculous advice to give out.. The debt might be uncollectible after a certain period, (if they don't sue you) but it stays on your credit report as derogatory for 7 years.

I'm assuming you guys just don't plan on being homeowners or having a decent car with reasonable interest rates for the next 7 years? Incredibly irresponsible and just stupid to intentionally do that without exhausting other options.
http://onestopcreditreport.com/how_l...credit_report/

Go get health insurance, I pay $160 a month for FULL COVERAGE PPO INSURANCE with a $500 deductible. That includes dental, and it's $25 per office visit and $50 for emergency care.

If you need something like a cancer mole removed, go find a federally funded facility. However, you have to make under a certain amount of money yearly to qualify for it.

http://findahealthcenter.hrsa.gov/Se...CC_byAddr.aspx