those don't matter a whole lot anymore. when my friend bought his house 3 years ago they said those are pretty much ignored now because a hospital will send you to collections in 30 days if you don't pay the whole balance off. Hell, I had 100% coverage insurance and they sent me to a collections agency. I had to refer them to my insurance company. 2 months of phone tag and collector harassment and it was all being handled by my insurance company. there was no reason to even be calling me. hospitals are quick to rid themselves of you and your bills. they are not banks.