u/NM_NeverMore

Mod Version 0.0.13 & 0.0.14

Specs
GPU - RX 9070 XT - 16gb
CPU - Ryzen 7 7800X3D
RAM - 32gb DDR5 6000MHz
Mobo - ASUS B650EM Max

Allocated ram - Attempted 8 and game refused to launch, 12 allows launch.

Every few seconds the game will fully freeze, doesn't matter if I'm on main menu or actually in game, it just freezes for 10-15 seconds and then unfreezes and runs perfectly fine, then a few seconds later freezes completely again.

Running Curseforge standalone.

I am 24 years old and had a pretty bad GSW in 2023, and I was transferred between 2 hospitals, first being the ER in town, who transferred me to a trauma unit in the city.
My insurance was active but the first hospital did not actually use it, I wish I could remember why? I was in quite a bit of pain and also on the pain killers they gave me so it's possible I told them I didn't have it, however second hospital did check and I was not charged at all by them.

The first hospital then attempted to charge me about 2 grand for the ER visit, which I could not pay. During my visits for checkups, they (ER) checked the insurance and applied it, including my 1 year Xray checkups, however they sent me a letter telling me the insurance was invalid and out of date for the xray check, and needed to be renewed by xx date. Which I did. They did not tell that I needed to let them know at all when I did, just that it needed to be renewed.

So here I am now, 3 years later getting a call every single day from a debt collection agency about 4 grand that I should not even owe them. It's tanking my credit hard, and I genuinely have no idea what to do. Never once been in this situation and I would love to be able to ask a family member but literally all of them are telling me "Just ignore it, itll go away eventually"
But I cannot sit here and ignore something actively dropping my score.