hi everyone.. i am student in US for 1 and half years.it was going well until i was admitted to hospital for 15 days. now i am good in health but not fully. i didn't realize about my bill, i thought all hospital and doctor charges are covered by my insurance but it's already 3months i am discharge from the hospital. i claim to my insurance also. in the insurance mail they had pay some of hospital bill but not whole.now bills are come in my name and written that my insurance didn't cover it. i don't have enough money to pay bill and my parents can't afford too. i also heard that they will excuse if we didn't response their mail but they will destroy our credti history. i don't know much about it. i just heard from the frens and other. so please help me how do i make it so that i can't pay my bill and protect credit history. please help me i had given my email add and phone no. lale_baikuntha@hotmail.com 256 412 7019 thanking you