Dave Ramsey says: Change tactics to address unpaid hospital bill

Aug 30, 2022, 1:00 PM

Dear Dave,

I recently had a judgment filed against me for an unpaid, old hospital bill. Is it possible to negotiate things with the lawyer?

Originally, the charges were $2,700 but now they have increased to $3,500, and I am not sure why the amount has risen.

I have made several phone calls asking him for a detailed statement of the account, but all I have received is a payment booklet. What is your advice?


Dear Ronnie,

Are you sure you’ve been speaking directly to the lawyer? I’m guessing the reason you haven’t gotten a real answer to your question is because you’ve actually been talking to some low-level staffer or paralegal.

If you have been talking to the lawyer, there’s a pretty good chance he’s running a small debt collections or debt lawsuit machine. If this is the case, he probably gets a piece of whatever he collects. That means he’s out to collect as much as possible, as quickly as he can.

You might consider changing tactics, and see if you can talk to the hospital administrator. Propose giving them $2,000, or whatever reasonable amount you can afford, on the agreement that the hospital accept it as payment in full.

Hospitals and doctor’s offices are often some of the easiest folks to work with when it comes to paying off debt, but people have to be proactive and make an honest, good faith effort to make it happen.

There’s a moral, as well as legal, responsibility involved when it comes to paying off bills or debt, Ronnie. You should always pay what you owe if at all possible.

— Dave

Dave Ramsey

(Pexels Photo)...

Dave Ramsey

Dave Ramsey says: When the financial drama queen comes out, relax

Everyone has a financial drama queen living in their head, but the sooner you come to terms with it, the easier dealing with stress will be.

7 days ago

(Pexels Photo)...

Dave Ramsey

Dave Ramsey says: Invest wisely, don’t overpay for your home

Unexpected fees can come along with being a homeowner, but always invest wisely and never overpay for something no one won't want to take off your hands.

14 days ago

(AP Photo/Elise Amendola, File)...

Dave Ramsey

Dave Ramsey says: Stand firm, the dollar isn’t going anywhere

While there may be talk about other countries getting together to develop a single currency, the U.S. dollar isn't going anywhere.

21 days ago

(Pexels Photo)...

Dave Ramsey

Dave Ramsey says: This is why you should work with multiple banks

There are multiple reasons why you should consider working with various banks, and none of them have to do with what happened at Silicon Valley Bank.

23 days ago

(Photo by Jemal Countess/Getty Images for Peter G. Peterson Foundation)...

Dave Ramsey

Dave Ramsey says: Don’t stress about national debt, just focus on personal finances

Though the national debt crisis is daunting, Dave Ramsey says focus on yourself, your family and your life. The rest politicians can solve.

28 days ago

(Pexels Photo)...

Dave Ramsey

Dave Ramsey says: Try piling up money instead of unnecessarily fixing things

Some homeowners want to make sure they're doing everything possible to get the maximum return, but Dave Ramsey says piling up money could be better.

1 month ago

Sponsored Articles



Thank you to Al McCoy for 51 years as voice of the Phoenix Suns

Sanderson Ford wants to share its thanks to Al McCoy for the impact he made in the Valley for more than a half-decade.



Why drug-free weight loss still matters

Wanting to lose weight is a common goal for many people as they progress throughout life, but choosing between a holistic approach or to take medicine can be a tough decision.

(Desert Institute for Spine Care in Arizona Photo)...

Desert Institute for Spine Care in Arizona

5 common causes for chronic neck pain

Neck pain can debilitate one’s daily routine, yet 80% of people experience it in their lives and 20%-50% deal with it annually.

Dave Ramsey says: Change tactics to address unpaid hospital bill