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A few years back I ran up several thousand in hospital bills after a group of skinheads decided to see how strong my skull was.
When I got the bills, I just called the hospital and said I was broke and I'd pay them what I could, which at the time was about 5 dollars a month. It took a very long time to pay off, even with larger amounts paid later when I was making more money, and it never affected my credit.
Last year my wife had to go into the emergency room when she was 8 weeks pregnant, we're still paying 10 bucks a month towards that 2500.
Hospitals can be dealt with if you're up front about what you're going to pay, especially if you actually pay what you say. They'd rather that then turn it over to a credit place and not get near the total they'd like.
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