Are you facing a large medical bill? Do you have reason to believe there are more of these to come in the weeks and months ahead? Are you beginning to wonder how you’ll ever pay all the money you owe?

It’s an unfortunate truth, but even if you have health insurance there is no guarantee you will never receive a large medical bill.

Fortunately, there are things you can do to handle any type of medical debt that is thrown your way. One of the best steps to take is to learn more about negotiating medical debt.

If this sounds interesting, here are some steps to take:

  • Review your bill in great detail. You want to understand everything about your bill so that you know the finer details of your situation. From the amount due to the provider to the billing dates, don’t leave any stone unturned.
  • Search for medical billing errors. If you are able to find one, it’s much easier to negotiate your medical debt, as you don’t actually owe all the money.
  • Ask about discounts. Depending on your financial situation, you may qualify for a discount. Remember that your medical provider is not going to offer a discount unless you ask for it, so don’t be shy.
  • Visit the billing department in person. You can only make so much progress on the phone. If you really want to negotiate your medical debt, visit the billing department in person to discuss your situation and options.
  • Remain polite, but don’t let the provider walk all over you. There is no point in becoming upset and angry, but at the same time you need to stand your ground.

These are just a few of the many tips you can follow to shave a few dollars from your bill when negotiating medical debt.

If you’ve tried all these things and your situation is only getting worse, it may be time to learn more about filing for bankruptcy.

By filing for Chapter 7 bankruptcy, you may be in position to eliminate some — or even all — of your medical debt. This isn’t something to take lightly, so learn more about the process, your legal rights and the steps you need to take to get started.

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