. "b. set up a payment plan. you CAN work with hospitals and drs. to avoid getting credit dings because of outstanding medical debt. tell them ???look, theres NO way i can pay this off right now, heres what i make, heres the obligations i have but i would love to work with you, lets set up a payment plan of $50 every pay period.??? this is an option most people dont know about or are scared to try. b" . . .