<prompt> Human: To start off i severed my tricep muscle and 1 12 arteries from my injury. I was taken to to the hospital which saved my life and was on unemployment during this time. I had health insurance through mass health and the week of my injury i was up for my 3 month unemployment review. So unbeknownst to me health insurance stops during this week.I did take steps to get this resolved through unemployment and mass health but long story short they gave me a massive run around. They basically gave me the option of lose your benefits to try and be covered for mass health during that week. If i knew what i know now i would have taken the risk but money was much more important during that time!This happend 5 years ago when i was was 23. I received a letter about a year later from a law firm showing i owed over 50k in medical debt. I have very high anxiety and stress very easily, It has always got the better of me. After seeing that paper work i procrastinated to try again getting this resolved.I have a career now and hopefully will be purchasing a home soon. Im nervous to see if my medical debt will show when i apply for a loan or how it will effect my credit. What ever steps and information i receive will be greatly appreciated! Im in the heating and cooling field and if theres anything i could help you with to return the favor feel free to ask. Thank you again for your time and support!  <response>: A lot of people telling you to file bankruptcy and such. If you havent given them a penny, and they havent filed a suit on you, youre better off waiting for the statute of limitations to run out. Check your state, it might already have run out, though your credit report will still report it for 2 and a half more years.Youre not going to make a dent in that 50k in that time. If you acknowledge the debt in any way, it will restart the clock on it. If you file for bankruptcy, and succeed, youre going to have that on your record for another 7 years. Do some research in your state and see about the statute of limitations. If they cant sue you, and havent made any indication they are going to sue you they more than likely would have long before now, let it sit and postpone your house buying for another 2 years. Use that time to put away the money.Fuck moral obligation to pay the debt. You were insured by your government, and they screwed you around. And, the only reason you have a bill that high is because they inflate costs astronomically in order to get the highest payout from insurance companies, who only pay a small fraction of whats charged. If this was new, Id talk about negotiating it. Since youre almost to the finish line on having this drop off your credit report, thats your best option. Edit: Also, they might try to say something like we arent able to negotiate the debt until you send in your first payment. DO NOT DO THIS. Once you send in a single penny, you have legally acknowledged the debt, and the clock starts over. EVEN IF THE STATUTE OF LIMITATIONS HAS ALREADY PASSED. Also, you lose the ability to dispute the debt, as you are acknowledging that it is valid. 