What if you owe a doctor money?

Call the doctor's office and ask to make payment arrangments. Tell them "you don't have much money but it is important to you to pay the bill and you want to see what you can work out". Legally, medical bills can not be put on your credit report or garnesh wages as long as you make payments, even if its $5 a month, or even a dollar a month, you just have to make the payment you arranged every single month.