First off, it's not strictly true that medical debt won't show up on a consumer credit report. Medical debts that are in collections will eventually show up, if

First off, it's not strictly true that medical debt won't show up on a consumer credit report. Medical debts that are in collections will eventually show up, if they are large enough. Secondly, it's still a legal debt. That means the billing department will employ escalating collection tactics for large debts where they believe the debtor has sufficient assets.