Falling into debt due to the high costs of medical care is very common. An unexpected medical emergency might crop up anytime. Lack of medical insurance and the high cost of medical care also significantly add to these debts.
If you are in a similar plight, with huge medical bills taking a toll on your finances, then do not worry. Some ways can help you tackle your hefty medical bills successfully.
Video Transcript
Hi Guys!
Welcome back to our OVLG channel!
Medical debt can sneak up on any of us. One day you’re hale and hearty. But on the next day, you’re in the hospital. You can stay there for an extended period of time and can have stacks and stacks of medical bills. How can you pay off those unaffordable bills? Let’s find out.
The first thing you can do is check if medical bills are accurate. Sometimes, hospitals make huge errors and inflate bills a lot. If you can’t understand medical bills properly, then hire a medical billing advocate. He can help to reduce it.
Secondly, you can contact the billing department of the hospital and request them to give you a discount. Offer to settle the debt today itself if they agree to reduce the amount by 50%. Sometimes, hospitals accept this kind of settlement offer for avoiding long-term payment process.
Finally, you can contact OVLG for settling your medical debts. Our attorneys negotiate with your creditors tactfully and reduce the total billing amount.
Usually, it’s easier to negotiate directly with the hospital than with a collection agency. Sometimes, a collection agency calls you after the statute of limitations have run out. So you have to be careful when you’re dealing with them.
Check the statute of limitations period in your state or you can contact OVLG for help. If you’re getting harassed, you should definitely reach out to OVLG. Our attorneys will help you get $1000 from them.
If you’re unable to tame your medical debt on your own, then it’s better you get professional help from OVLG and settle your medical debts as per your convenience.
You can either settle a medical debt on your own or you can leave the dirty work for OVLG. If you want to settle medical bills on your own, then make sure you have the following skills:
If you don’t have these skills, then it’s better to get help from OVLG and settle your medical debt fast. At OVLG, you’ll get experienced attorneys who know medical debt laws, debt collection laws, and debt settlement laws by heart. They know how to negotiate with collection agencies, settle your medical bills, and save money. In fact, they can tell you how to fight a lawsuit with no money or how much do collection agencies pay for medical debt.
The best part of working with attorneys is that they can help in settling a debt after receiving the summons. They can help to settle medical debt out of the court and save money. Check out the 5 stages of the OVLG debt settlement process.
There is no need to lose your heart if the hospital is not ready for a medical bill settlement. There are other alternative options to get help with medical bills. You can opt for the medical bill consolidation program to pay off your hospital bills. Sometimes, hospitals don’t agree to settle medical bills simply because they would get less money. However, when you enroll in a medical debt consolidation program, you can get help paying medical bills in full at a low-interest rate. So, it doesn’t put additional pressure on your budget.
In a medical bill consolidation program, you can make affordable single monthly payments on your bills. This helps you to save money on your medical bills. The hospital is also happy to receive the full amount. So, both of you benefit from this arrangement.
There are 4 ways to pay medical bills.
The best way to pay medical bills is to settle them with the help of an attorney. It will help you to get medical debt help without getting into any legal trouble. Moreover, you can save money on your medical bills.
When you need help with medical bills, it is best to consult a medical bill lawyer for varied reasons. Some of them are given below:
Paying off medical bills becomes easier when you have a lawyer beside you. He can help you pay medical bill debt, navigate complex legal issues, and save money simultaneously. The easiest way to find medical bill lawyers near you is to call the toll-free number 800-530-OVLG and know about your options. The other option is to explore our attorney hub. You can get a list of attorneys available near you.
Well, several things can happen when a medical bill goes to collections. For example, the collection agency can report the debt to credit bureaus, which can hurt your credit. They can make collection calls between 9 am and 8 pm to ask you for repayments. If you still don’t cooperate with them, then they can even file a lawsuit against you in the county where the medical debt was incurred. Can medical bills go to collections? If yes, then how long before medical bills go to collections? Usually, hospitals send medical bills to collections when you don’t pay them for 6 months or more than that period. When hospitals see that you have no intention of paying medical bills, they assign or sell the accounts to collection agencies. Remember, once your medical bills are assigned to a collection agency, the debt will hurt your credit score. Hospitals can assign your accounts or sell your accounts to collection agencies without notice. That is perfectly legal. Once the accounts are assigned or sold, the collection agency can send out letters or call you. Sometimes, one collection agency sells the account to another collection agency but doesn’t notify you since they deal with a huge volume of accounts. The new collection agency will notify you about the debt. Hospitals can garnish your wages for medical bills when they have received a judgment against you. But they have to put in the effort to get a judgment against you. They have to file a lawsuit against you for non- repayment of medical bills and win the case. Only if you fail to defend yourself and the hospital obtains a judgment, then they can garnish your paycheck. Medical debt can sneak up on any of us. One day you’re hale and hearty. But on the next day, you’re in the hospital. You can stay there for an extended period of time and can have stacks and stacks of medical bills. But how can you pay off those unaffordable bills? Let’s find out. The first thing you can do is check if medical bills are accurate. Sometimes, hospitals make huge errors and inflate bills a lot. If you can’t understand medical bills properly, then hire a medical billing advocate. He can help to reduce the total bill amount. Secondly, you can contact the billing department of the hospital and request them to give you a discount. Offer to settle the debt today itself if they agree to reduce the amount by 50%. Finally, you can contact OVLG for settling your medical debts. Our attorneys can negotiate with your creditors tactfully and reduce the total billing amount. Usually, it’s easier to negotiate directly with the hospital than with a collection agency. Sometimes, a collection agency calls you after the statute of limitations have run out. So you have to be careful when you’re dealing with them. Check the statute of limitations period in your state or you can contact OVLG for help. If you’re getting harassed, you should definitely reach out to OVLG. Our attorneys will help you get $1000 from them.Frequently asked questions on medical bills
Sometimes, hospitals accept this kind of settlement offer for avoiding long-term payment process.
Last Updated on: Tue, 18 Aug 2020