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If you have the money, just pay it. I'm in the same situation as you are in right now.
I fractured my arm back in January of this year. I'm a full-time student and I haven't worked in over a year and a half. So needless to say, I can't afford to pay the bill out of pocket. Once I got the bills from the ER and the orthopedic doctor I had to see, I filed for financial assistance. The process to be approved for financial assistance is so slow, you won't see results until 6 months afterwards at the earliest. In the mean time, the hospital sent my bills to a collection agency. I get a phone call from the collection agency literally every day. And every day I tell them that I filed for financial assistance so I'm waiting to hear back from them (the hospital and dealing with them is just as bad, if not worse). They don't listen though. So I don't answer my phone anymore. I really really really cannot wait for this to be over. If I could, I would just pay them and get it over with.
Just pay the bill.
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