<prompt> Human: Throwaway because I dont want mental health issues tied to my main account because stigma does exist. Backstory: 3 years ago I went through a prolonged manic episode when my long term relationship came to an end. I went from having a perfect like, PERFECT credit score using less than 10 of my limit, paying in full as soon as it was posted, etc. to maxing out all my cards and paying them off a year later when they went to collections.Since then, Ive been rebuilding my credit with two cards and keeping an eye on my bipolar. I went to the ER for an ear ache that was causing me an obscene amount of pain, even after high dosing of pain medicine. They refused to give me pain meds and gave me a single bottle of ear meds. My insurance paid them 800 and they charged me 250. I appealed and lost, and they sent the bill to collections. I dont want to pay it on principle I tried to negotiate them down but they wont budge, but Im curious how badly Im fucking up my credit score. Thoughts?Thank you in advance!  <response>: It would cost you a lot more than 250 if you plan to get any loan in the next 5-7 years. 