Medical Debt

Hi, I have alot of medical debt and it is killing me on my credit report is there anyway to take care of this? it is through differnt companies so i dont know how i am going to pay it off

Welcome to the Community Have you tried working something out with the original creditors? I paid on medical bills for years, but finally got them paid off. Since you have registered, someone will contact you and discuss options you may have, including debt consolidation. If you have any questions, please ask..Karen

Aaron,
Like bossy said they are generally easy to work with and let you make smaller payments.

In Pennsylvania we have programs that will help pay medical bills, we have I-care and Hilburton, what state are you from? Have you done any research to see if there are companies out there that will help you pay medical debt. I know it is on a needs based basis. If you need help doing this, maybe I can help you get in the right direction, like getting the Pa information via the web and then maybe there is a connection to your state somehow. Worth a shot. Please post your state and I will see what I can find out for you.

Thanks for the quick response's! I live in beautiful ohio lol(Go Browns!)I am just starting to do resarch now I am trying to get a house and did not know that this stuff was on my credit report till now i thought that they could not report it(it should be that way) lol well thanks again for the quick responses

Aaron- I should have asked you- how old are these debts? They may be out of the SOL period- although that doesn't mean they are still owed,they just cannot take legal action. If you have paid these already, you can dispute them with the credit agencies- just send them proof..Karen

Aaron, in the state of OH you can find out who the original debt is from and then send them a letter of hardship explaining your circumstances and most of the time your medical bills will be reduced...There are also several places that will assist you with said medical expenses if you did not have insurance at the time...

most are from 05 when i did not have a job or insurance and a couple from the beginning of 06, and i havent paid any of them, it totals over 10,000.00 which is why i am freaking out!

ok that sounds great I can try to do that tommarow and hopefully I can get them settled

Aaron- check out what Leah is telling you to help with the medical expenses-it's worth a shot! If it makes you feel better- my mom got PART of her hospital bill and it's $130,000.00!!..KAren

That is way to much!! I think because i am a medic i should not have to pay any of it! lol that would be cool well I will check into and thanks again this is a great site!!

LOL-she thinks so too!! Good Luck to you, and keep us posted on your progress!..KAren

Hey Aaron!
A lot of times, hospitals have programs to help people who get stuck with these huge bills. You might want to call their business office and ask. It also depends on the hospital system and whether it's for or non-profit. If your hospital is non-profit, you might have a better chance. Good luck!

For the financial hardship letters-you need to put in their what you make as well as your bills...send them to the doctors and hospitals and they will review them and they usually cut them down and even sometimes write them off...I had several bills from a few years ago when I had no insurance and sent these letters and of the 6 bills I had out 4 were written off and 2 were cut down so much that they were easy to pay off...Also some of the hospitals have a program that helps people out like you and I and these programs will actually help you pay the debt....

Can someone give me an example of a letter to write explaining the financial hardship?

Thanks!!!