Hi Everyone, About a year ago, I visited the ER only a couple months after turning 18. I went expecting a cost, but not one at the magnitude of what actually came in the form of a bill. Flash forward to now, the hospital has given the debt to “United Collection Bureau”, and I Received a letter from them with my name, address, the name of the hospital, the service date, and the $1800 total of the debt. The letter said if I pay the debts within 30 days, they would not report to the credit bureau. This letter was sent on March 8th, and it is now April 12th. That being said, I am currently attending a University working a minimum wage job, and come from a broken family that is below the poverty line. Because of this, paying off this debt is not a reality anywhere in the near future for me. What steps should I take to possibly get this debt deleted, invalidated, or if it comes down to it, negotiating with the CA.