<prompt> Human: My credit score is 805. In the middle of a jobmovinglife transition I was uninsured, went to the ER, and had about 9k-10k in bills billed from separate providers at different times making it very confusing. Extremely overpriced because they did nothing for me. What a sham. AmericaI paid off all accounts except the big one for 5950. This hospital is notorious for not negotiating debt. It is now in collections but it wasnt sold to this collections bureau. They handle the debt for the hospital--they dont buy it. From my understanding it seems to be assigned debt.Nothing is showing on my credit report yet--collections bureau is the one that will report on behalf of the hospital. Incidentbills were from Feb 2017. My 1st collections notice was Sep 2018.Spoke with collections and hospital has strict policies about settling for 20 off my bill and no more than that. Also, if I enter a payment plan with them there is no future opportunity of settlement. I submitted an offer to them of 35 off my bill and the hospital did not accept.x200B;My options are:-20 off, pay in full OR-make monthly payments and as long as I stay current they will not report to credit agencies...no future opportunity of settlement...however, this does not prevent hospital from assigning the debt to some other agency in the future, or not reporting it in the future right?-let it hit my credit report and since its my first account in collections it will hit it hard and stay for 7 yrs. I think the statue of limitations is 5 years here. My husbands credit score is in the 740s range and we will probably buy a house again now that weve decided to stay in the area.x200B;Advice on what to do?ETA: Im leaning toward option 2 but I was hoping someone with more experience can give me input about the possibility of it hitting my credit report...collections people said it wont be reported as long as my account stays current. Also want to clarify it IS in collections but hasnt been reported to credit bureaus.x200B;Assistant: Make a payment plan. As long as your paying as agreed they wont go to collections. Now if its already in collections just let it roll off in 7 years. Damage is already done. Human: it is in collections, but supposedly they will not report to credit agencies if I settle or make a payment plan  <response>: Yeah, I wouldnt trust that. If its already there its gonna be reported. They will say anything for money. Depending on how old the account is you maybe able to get the hospital to recall the account and pay them directly. Edited: ohh if its is a third party business office for the hospital then no they are not collections and there will not be reporting. I used to work for a large one. We used to call ourselves business office for the hospital 