When my husband was hospitalized multiple times between Oct 2009 and April 2010, we were buried in bills. No one would make arrangements we could afford, let alone forgive the debt. Even making partial payments we were sending out more on medical bills than our mortgage and utilities combined. After 90 days ALL of the different creditors (over 25 of them), sold the debt to collection agencies, even though I was paying more than we could afford every month on each and every one of those bills.

Tomorrow is his bankruptcy court date.

Health insurance in the U.S. is a scam. It's just 'protection money', extortion. It doesn't really protect the person who has it. It makes me angry but I can't dwell on it because then I get sick!