That’s a whole nother layer, and is also why I have a decade gap in my medical history. Then the doctors and nurse practitioners have the gall to gasp that I haven’t seen a doctor regularly in 10 years…

One protip is if you don’t own anything, you can just let those bills go to the void of collections. Collections will run a hard game at first, just trying to recoup the 2% it paid for the debt. But after awhile they give up… can’t draw blood from a stone.