Medical Debt
How to Negotiate Medical Debt
Charity care programs, billing error audits, Medicare rate tactic, and collections settlement.
Read GuideMedical Debt
Medical debt has different rules. Nonprofit hospitals must offer charity care. 80% of medical bills contain errors. And as of 2024, most medical debt no longer appears on credit reports.
2024 Update: Medical Debt and Credit Reports
Paid medical collections are removed from credit reports immediately. Medical debt under $500 no longer appears at all. The CFPB has proposed rules to eliminate all medical debt from credit reports. Check annualcreditreport.com - you may already have less damage than you think.
Start Here
Credit Report
Dispute Medical Debt on Credit Report
Remove inaccurate medical collection entries.
Read GuidePay-for-Delete
Pay-for-Delete for Medical Collections
Medical debt collectors are among the most receptive to PFD requests.
Read GuideFree Resources
Templates
Medical Hardship Letter Templates
Template #2 is specifically for medical debt. Covers hospitals, medical groups, and collectors.
Get Free TemplatesLetter
Medical Hardship Letter Template
Request charity care, payment plans, or settlement.
Get TemplateCalculator
Settlement Calculator
Estimate settlement amounts for medical collection accounts.
Use Calculator