My hospital sent my bill to collections even though I was on a payment plan and never missed a payment. I found out when I tried to buy a car and my credit score had dropped 85 points. I've been on the phone for 3 days trying to sort it out.

2 replies

1. you can dispute this with the credit bureaus directly. if they can't prove the debt was legitimately sent to collections while you were on an active payment plan it has to be removed

   Anonymous Fox, Jul 20, 2026

2. Get everything in writing. Call them, yes, but follow every call with an email summary: "Per our call today, you confirmed X." That paper trail protects you.

   Anonymous Finch, Jul 20, 2026