Resolved Question: What is the impact on credit rating of slowly paying medical bills?

In December I had emergent surgery for a spinal cord aneurysm. I have debts to several medical entities: hospital, surgeon, labs, etc. The debt isn’t something I can pay except in small increments until I get a better job. I have heard some things that I’m trying to clarify/confirm: as long as there is some payment each year on each bill, the medical entities cannot negatively impact my credit; don’t use credit cards to pay as this removes the medical bill protections, etc.

What are the facts in Texas? Where can I find complete and authoritative information on this subject?

Thanks in advance.

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