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• 22:20, 18 February 2025 Ampdot talk contribs created page Finance (Created page with "== Medical debt == * Medical debt below $500 will not show on a credit report * Once debt gets sent to collections, you can usually negotiate for a lump sum payment 20-40% off * If the debt was sent to collections recently, you can often still pay with the hospital directly * Ask the hospital or collections agency to itemize the bill, which will often reduce the amount * (Charisma roll required) You can "call bait" a debt collector into committing an FDCPA violation, wh...") Tag: Visual edit