/biz/ - Business & Finance

>>29847611
>he's starting to wake up

>>29847611
>>29847727
>$30,0000 for a routine surgery
>load NEET.exe
>$30,0000 taxpayer money for a routine surgery

>>29847611
my mother has cancer and we literally needed a GoFundMe for surgery, my parents are in their 60's.

just don't pay, fucks your credit but only for 7 years

>>29848202
sorry fren, need that number to stay up just a little longer so i can buy some land

literally dont pay; almost nobody gives a fuck since shitskins never pay anyway.
I had a friend with 30k in bills and didnt pay. He still had a 720 credit score a year and a half later

Land of tha free

>>29847611
>being american unironically
ngmi

>>29848353
this works until you have debt collectors harassing you constantly

>>29848353
Medical debt us largely ignored.
>>29849213
They legally cannot harass you. The rules of engagement are quite strict and they could easily fuck themselves.

>>29849213
Block their numbers, who cares. They literally can do nothing but beg you to pay the debt they bought.

>>29849356
>>29849308
I was under the impression they would fuck my credit and possibly come take my shit to sell it. I guess someone told me scary stories?

>>29849511
>>29848283
credit scores are a meme, i had an 840 at one point and my mortgage apr was like .025 % different from a 640
as long as you're above 600 you're fine

>>29849511
They can only take stuff that collateralizes your debt e.g. your car you're not paying payments on. For a medical bill there will be no collateral they can take.

>>29849651
you can also think of credit scores as a type of capital you can spend, there really is nothing worth having 800 good goy points

>>29849705
>inb4 they stuff my soggy, pustulent appendix back into my guts

>>29849766
realistically how much of a hit could I expect if my score is in the low 700s already?

>>29850014
an immediate hit of about 100 once it goes to collections and they hit your credit, but then it creeps up, you can also dispute the debt and if they don't have proper records they can't do shit

>>29849511
they will try to scare you but ultimately will do nothing

the idea that we have a privatized medical industry is just wrong, government is massively involved in every aspect of healthcare. if you look at how involved government was in 1900 and the prices then, you'd see a direct correlation upwards.

>>29848405
>XX id
You will never be a woman

>>29850108

ALWAHS DISPUTE

HAVE HAD SEVERAL REAL DEBTS DROPPED DOJNG THIS AS HAVE MANY PEOLLE I KNOW

COSTS NOTHING
RISKS NOTHING

I

>>29850108
>>29850163
thanks anons. I started this thread just to complain but after thinking about it I can probably delay it getting to collections for a while/dispute the debt (at least until I can get some property and maybe a car), then just get comfy and block their number.
the worst financial decision of my life was entering into a contract with a collections agency when I was unemployed, impoverished, and didn't know any better. fuck giving them another cent.

>>29850371
how do I dispute? Just tell collections that I dispute the debt? Do I need to get a lawyer involved? Do I just say that I don't have the money? I don't really know how this part works.

>>29850531
exactly, also, once it has hit your credit, your credit is already fucked, so there is no incentive to pay the collections agency
>>29850582
once i got a debt collection letter i wrote disputed across the top and mailed it back to them, you can also dispute it through the various credit score agencies but i don't know how effective that is, no lawyer is needed

>>29847611
>say you cant pay, you dont have enough money
>hospital takes you to court
>nothing happens
even the "rich" do this

>>29850705
based. you just saved me a lot of money, anon. thank you.

>>29847839
It wouldn't cost 30k then, silly
The excess is only because of artificial mark-up, not inherent costs of the operations

>>29847611
Routine surgery.... routine....

The fact that we refer to any surgery involving anesthesia as routine shows how skewed peoples’ perspective of healthcare has gotten. Any surgery where they put you under used to be considered a major event, and carried major cost. Now we just expect that for free.
> how would a normie with shit income, a car, a house, a family, and no savings even be able to handle this?

The answer is they didn’t. 50+ years ago people often couldn’t afford to have surgeries and just dealt with chronic issues or died.

Also, my high deductible plan has an individual out of pocket max of around $7k. How the hell are you getting a $10k bill after insurance?

>>29851370
no dude, routine surgery is routine because of the advances in medical technology and the economic incentives making the industry mad burgerbucks

>>29848405
High risk, high reward. The average American might be worse off than the average Euro country (and some Asian countries), but the top 5% of Americans are significantly better off than the top 5% of Euros. "Land of opportunity" is unironically true.

>>29849705
Wrong. They cant take your car if you only have one. Vehicles are even exempt in bankruptcy. Funny how vehicles are a necessity when it comes to debt but a privilege when and can be revoked for not paying a traffic ticket.

>>29851767
Yeah, maybe, but at least life is somewhat cozy in any situation for Euro countries.

>>29847611
>get some retarded medical bills
>don't pay
>2 years later informed they were written off by charity and payed

Haha

>>29851370
appendectomies are like definitionally a routine surgery they're so fucking common, and laparoscopy makes them really safe too. technology advances and things that used to be major become common. see: that high-end computer you have in your pocket.

>>29847611
Well i just go through with it anyways then once the bills come in I just Kobe them into the trash

>>29847611
Settle for cash, I was told by a friend who deals with doctors you can settle on a cash in hand price and cut out all the insurance and shit.

>>29851295
>artificial markup is actually SOLVED by government intervention
See: FAFSA

>>29847611
in a socialist system provision of healthcare is the placebo and the where the concept is all but an illusion.

>>29853500
can you repeat that in English?

>>29847611
>livin in MMMMMMURICA

>>29851295
No, or would cost 300k.

>>29853941
In a socialist system, provision of healthcare is the placebo. The concept is all but an illusion. You have no ability to choose/change provider. It is not free.