It’s my goal to reach a credit score of 1! That’s how you win, I think.

I dont pay medical bills that dont get passed to me at the hospital. I recently paid for an ER visit and ambulance ride, only to be sent a collection for the same exact bill 2 months later.

I’ve learned the longer you wait, and more times your debt is sold, the more likely it is whoever is trying to collect can’t produce legal proof.