The hospital will keep sending you bills. Every month, and if you don’t pay that or set up a payment plan with them… they absolutely send it to a collection agency. That law agency will hound you all day every day, phone calls… text messages… Mailing threats and lawyer fees on top of the OG bill.

Eventually, I know from personal experience… they will take you to debtor’s court. Where you sit in a room full of strangers till your name is called. Then you have to prove how poor you are and they can pause the collection efforts for a period of time… or if the judge believes you can afford something… then your court ordered to pay… or else.