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Can balance be reported to CRA even if I am paying as agreed?

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I am anticipating a bill for a major surgery and lengthy hospital stay. My portion of the bill is small compared to the total cost. However I still can’t afford to pay off my portion in less than 6 months. What happens if I setup a payment plan, stick to it, but can’t pay it off before the hospital sends it to collections? Can that happen? And if it does how then can I get it removed from my credit report upon full payment?

Edited by oncredit

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Check with the hospital and see if they are affiliated with any payment plan services such as Care Credit.

Find out if your insurance deductible and co-pay estimates are accurate.(your estimates of costs from the hospital may be based on their billed charges, not on the allowed charges from your insurance)


Meanwhile get your credit reports and opt out so you have a basis for future actions.


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