What is the name of your state? NJ
I was admitted to hospital recently and had gallbladder surgery.I am a new immigrant, and do not have insurance, so I was approved for charity care, and my doctor was my cousin who was nice enough not to charge me.
I got bills from the emergency room physician, and the anesthesia associates, plus a lab fee and an EKG fee.
I am currently unemployed. The lab transferred my account to a collection agency without even teling me first; and the others are saying they are going to do that.
What is my best course of action. how can I set up payment plans? Will this have a bad effect on my credit report?
Any ideas will be appreciated.