I just received a letter from a debt collector regarding an unpaid medical bill of around $4,000. Right now, I can’t afford to pay that amount.

I have a few questions: • What are my options if I can’t pay at all? • Will this already affect my credit score, and what happens if I ignore it? • If I pay it off later, will it be removed from my credit report or just marked as “paid”?

I’d really appreciate any advice or experiences from others who have dealt with this

I wanted to share this because when I was searching reddit for info most of the posts were old or uninformative.

I was being sued, and had an offer I was fully prepared to settle for, but decided I may as well try to negotiate a better one. Like most people, I like to avoid talking to debt collectors so I thought SoloSuit would make my life easier. So, I used them to send an offer to the collector about 6 weeks before the court date. Several weeks passed with no update, and trying to contact SoloSuit is a complete waste of time. Getting worried, I decided to call the debt collector myself to negotiate directly. They told me since I already am represented by SoloSuit, they're not allowed to talk to me directly. This went on for a few more weeks until the court date came and went.

Luckily the collector didn't show up in court so my case was dismissed. About a week later I finally get a message from SoloSuit with a counteroffer. It was a terrible deal, about 2x more than the previous offer I got directly from the collector. I ignored it and they've been harassing me ever since with threats about "continued legal action" and "we will have no choice but to escalate".

It feels like I willing signed up to give my debt collector a henchmen, like they're working for the collector not me. Next time I will get an actual lawyer or just negotiate myself. Most collectors you can do everything online now anyway. SoloSuit just adds an unhelpful uncommunicative middle man that may actually harm your case and negotiation.

Hey all. I’m 24 and have around 20k of unsecured debt with a high interest rate, like 25ish %. I have 8k of a low interest car loan and some student debt. I have been working tons and trying to keep expenses low while finish classes, but this debt is overwhelming. I really want to find a new living situation next year, as I live with a lot of roommates for low rent but it can be very stressful. With how things are going I think it would take a very long time to pay off this debt while trying to finish school too. I have heard about chapter 7 and was thinking about trying to file for myself or get an attorney. Any advice? Thank you so much.

Hello Reddit, I am looking for debt consolidation loan options, I am a 24yr male with $8k in debt. I’ve tried a couple places with no approval and I’m down to the wire. Do you guys know of any providers that can issue me a debt consolidation loan? I do not ow my car yet and I have no collateral, 605 credit score.

Hello everyone,

Eight months ago, I moved out of my apartment after settling all the amounts I owed at that time and even paying the outrageous fees they charged me, despite the fact that I gave them two months’ notice of my move. Now, eight months later, I just found out that there is a collection in my name that was filed in July 2025, even though I never received a call or notice to pay anything in the first place.

What can I do in these cases, since I really don’t owe them anything? I’m new to this, so please excuse me.

I'll be honest I just need some info/advice. This past week I have received texts on 2 different days from a 5 digit number claiming to be TrueAccord, a debt collection agency.

The thing is, I don't have any outstanding debts in my name. I have a car loan which is current on payments, and student loans which don't enter repayment until November. All other debts I've had in my name are cleared.

Normally I would just ignore the texts, assuming they're a scam, but I'm hesitant because there is an outstanding bill for medical lab work in my wife's name for about ~$300. The reason this bill has gone unpaid is because the appointment and related charges are under review by the No Surprises Helpdesk because of failure to disclose all related costs when a Good Faith Estimate was requested (she doesn't have insurance).

We attempted to contact the lab company's billing department via the 'send us a message' form on their website to inform them of the No Surprises Act claim, and request the bill not be sent to collections while the claim is under review. That was a month ago and we are still awaiting a decision on the claim.

Are these texts legit? Why are they coming to me? I'm not on the bill, and haven't gotten any emails or letters from TrueAccord. What do I do?

So I learned today that credit card companies will move subscription charges to a replacement credit card for a canceled credit card the subscription was on without you authorizing those charges being transferred. It seems they see it as a consumer convenience for subscribed services. Is this common knowledge for everyone?

Hey everyone, I could use some advice.

I have a $144 medical collection showing on my credit report. From what I’ve read, medical collections under $500 are supposed to be removed under the newer rules, but mine is still reporting.

I’m planning to pay it off, but I don’t want it to just show as “paid collection”... I’d prefer it removed completely. I drafted a pay-for-delete letter offering to pay in full if the collection agency agrees to delete it from my credit report.

Has anyone here had success with pay-for-delete on small medical debts? Would you recommend I send the letter, or should I dispute it directly with the credit bureaus since it’s under $500?

Any advice or personal experience would be awesome. Thanks!

So here's the thing a creditor decided to garnish my wages because of a fine i owe from city taxes but the thing is he sent the wage garnishment to the wrong employer, and after that happened he secretly took money out my savings account because he had a judgment for a bank garnishment against me. This is totally not fair because they were suppose to contact my real employer or send me a notice first and i didnt receive anything at all!!!! I had no idea untill i got a notification of $1000 took from my savings. Then called my bank and they told me what happened....So my question is can I fight this in court and get my money back because of a error on the creditor??? lm willing to settle for a less amount but I need my savings back its so sad they went into my private account without me knowing.....I rather have the wage garnishment sent to the right employer so they can take out smaller amounts. I need this reversed i think I have a legitimate argument. Its not my fault the initial wage garnishment was sent to the wrong employer. They didnt have to straight go to a bank garnishment.