Are you sick and tired of medical bills damaging your credit report? What about receiving bills in the mail stating that you owe thousands of dollars for a procedures you felt that was unnecessary. Do you feel that there is no way out? Well, read on and I will show you killer tips on how to deal with medical bills.
Medical bills on credit report killer tip – 1
When you get a medical bill, look it over for errors like repeat procedures. Contact the hospital, and ask them for an audit of the bill. If the debt is too overwhelming, try to negotiate it for 20 cents on the dollar or set up a payment plan. If the billing department won’t work with you, they will most likely send your account to a collection agency. You can send the agency a cease and desist letter (instructing the collection agency to stop contacting you) and the account will go right back to the hospital. At this point, send the hospital a settlement letter to start negotiations.
Medical bills on credit report killer tip – 2
If you feel as though the doctor has doubled billed you for a procedure or did not perform to standard and a collection agency is trying to collect on the bill, you can threaten a malpractice suit. This should force the collection agency to back down. You can also threaten to file a complaint with the State Licensing Board, Better Business Bureau, and Local Medical Society.
Medical bills on credit report killer tip – 3
If you don’t have the money to pay for the bill, ask the hospital or the medical center about the charity funds. Many charities donate funds to the hospital for people who can’t afford to pay for the medical service. The billing department won’t automatically tell you about this source of income, so you must ask them.
Dealing with high priced medical bills can be frustrating and painful because you just can’t afford them. But, with a little education and guidance, you will be able to handle these bills in the appropriate manner, so that your credit score and report is not damaged.
