I know that medical bills can be quite overwhelming and a big task to stay on top off. Just an FYI – I know someone who was brought to court recently for non-payment. They had a monthly hospital payoff arrangement, but accidently neglected to pay when the monthly bills ceased coming. Hospital took them to court without warning and very little elapsed time (and despite ongoing payments and insurance payments for additional treatments). So just stay on top of it ( which with it budgeted you should). I was surprised how quickly this went to court, and for less than a $1000. Not at all the MO that Mark speaks about regarding it taking a lot of time.