Newborn's medical expenses in collection
In all the stress and excitement my daughter forgot to inform their insurance carrier to add their newborn within 30 days. She is now almost 6 months old. The debt is now in collection. They've filed an appeal with their carrier but they are very slow in responding. They are trying to work with the collection agency and insurance carrier. The collection agency wants over $500 a month as a payment but they cannot afford that. To further negotiate anything with them, they are demanding ALL of their financial information! Is this right? Is this going to ruin their credit? Do they have any recourse? I am researching for them as they do not have a computer.