r/Debt 6d ago

need advice with medical debt -surgery

hi everyone i really need help

I had my gallbladder removed a while back, and honestly, I didn’t realize I hadn’t paid the bill. I recently had a baby (he’s 5 months now 🥹) and in the middle of getting new bills from delivery, I realized that my surgery probably went to collections.

I’m a stay-at-home mom and my husband knew I had some debt before we got married, but I’m really stressed about this. I don’t want this debt to fall on him, and I don’t know what my options are now. I’ve moved away from where I had the surgery, so I’m not sure who to even call or where to start.

Can anyone tell me the best first steps to take? Should I call the hospital billing department or collections directly? How does this actually work if it’s already at collections

Any advice would help and mean alot , thank you!!

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