I learned that even if the hospital billing company sends you ELEVEN notices on ONE day (yes, 11 notices arrived over 2-3 days but all dated the same date on the notice) that your account will be sent to collections if you don’t pay within 10 days, the law says they can’t send you to collections until 120 days after the bill is sent. They can’t charge you interest or assess late charges. You can set up a payment plan without fees.
They don’t have to tell you that.