I never even knew I had this going on and I was working towards getting my emergency fund going asap. But now I'm just screwed.

My medical insurance never told me I was dropped because I didn't have a drill for the national guard one month so it never got paid and they never put my pay into a debt which they always did. So I had an ER visit and thought I was fine. Took care of the bills that were out of network and did my do diligence. And haven't had any mail apart from one yesterday and an email today saying I owed this.

Wtf do I do? I have a 1998 car, I'm making 73k a year before taxes, and I was working my ass off to get my credit up, was projected to get back to the 700s this year, and now what? I'm just screwed? The only way they won't report this to any credit reporting agency is if I pay 7000 today and I don't have anything like that just lying around.

Oh, get this, I was in the er for 6 hours.... that's it, got a CT scan with no contrast and sat in a hallway... how tf have I paid 5k to everyone else and the hospital still wanted 30k. Oh but don't worry, they discounted it by 18000