Really, try not to worry about the medical debt. I am in tons of medical debt and like I said before, I just pay what I can each month and forget about it. I'm only in collections for one bill and that's just because I can't figure out which bill it is. I've never called anyone to set up payment plans because I have phone anxiety and no one ever bothers me. I just send in a payment and get another bill.

One of my bills is about $10,000 that I've built up over three years from my deductible. They don't even bother me. I'll probably never pay that one off but they don't care.