No, they absolutely put you in collections.

The debt falls off the credit report in several years.

It’s also cleared by bankruptcy, and they can’t go after your relatives for it, excluding your estate, and let’s say that if you have medical debt, your estate probably isn’t worth pursuing.

So fuck em.

Not legal advice.

The system is deeply broken in the USA.

Not all of the things that are broken about the system are making things worse for the civilians.