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Medical bills can go to collections whenever the provider chooses. They are within their rights to sell your debt to collectors anytime. But collection agencies must wait 180 days (6 months) before reporting medical debt to your credit report. This provides you time to make payment.
Depending on the provider, you have between 60 and 180 days before medical debt is turned over to a collection agency.
Even if you are making payments on medical debt, it can still be turned over to collections. Making small or late payments can get your bill handed to a collection agency.
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