Medical debt

Medical bills you didn't plan for

Medical debt usually comes from something you couldn't avoid. You may have more options than you think, starting with the provider.

Free consultation. No obligation to enroll.

Signs it may be time to look at options

Ask for an itemized statement. Errors and duplicate charges are more common than many people realize.

Many hospitals offer charity care or discounts based on income. Ask the billing office what's available.

Providers often accept interest-free payment plans if you contact them early.

For larger balances alongside other unsecured debt, a broader plan may be worth discussing.

Your credit may be affected
Debt relief programs can have a negative effect on your credit, especially if accounts become delinquent during the program.
Creditors don't have to negotiate
Creditors are not required to participate or to accept a reduced amount. Some may not.
Collection activity may continue
Creditors and collectors may keep contacting you, and interest, late fees and penalties may continue to accrue.
Lawsuits are possible
A creditor may sue to collect a debt, which can lead to judgments, garnishment or other remedies allowed by law.
Results aren't guaranteed
Not every debt is resolved, and no specific savings, settlement or timeline can be promised.
Taxes may apply
Forgiven debt may be considered taxable income. Consult a tax professional about your situation.
Stopping payments has consequences
Stopping payments to creditors can lead to late fees, collections and credit damage. Understand this fully before deciding.

Start with a free conversation. We'll learn about your situation, answer your questions and help you understand what options may be available.

Free consultation • No obligation