Many year ago I lost my job and just as I got a new job but before my insurance could kick in, my appendix ruptured. I had to get surgery and was in the hospital for 3 days, the bill came to something like $25,000.

I negotiated with the hospital, they reduced it to $11,000 and set me on a payment plan. After I paid off the $11,000 they sent me to collections for the other $14,000. Those fuckers.

I refused to pay it and it tanked my credit rating, which made it difficult to get a home loan five years after.