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Most hospitals will waive debts if you show your income/family status. It's not guaranteed or anything but it's worth a shot.
Also, if you're barely getting by, you should be able to get some sort of medicaid plan that should backpay some of your debt. check into it.
if all that fails, then yeah, offer to make payments. there are plenty of people who only push $20 or so a month towards their bills.. and most of the time that is sufficient. they'd rather have something than nothing.
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