Steep medical debt can be an overwhelming expense to deal with. As one of the leading debt collection items on credit reports in the United States, outstanding medical bills are reported to collection agencies after several months of missed payments. While collections agencies can take you to court over your medical debt, they seldom want to. Fortunately, there are ways that you can avoid going to court over your unpaid medical bills. 

Avoiding Lawsuits With Collection Agencies 

There are a few notable ways to stop a collections lawsuit before it even begins. The vital action to do first is to examine your bill to ensure its accuracy. If something doesn’t look right, then it may be possible to reduce it. There are a few ways you could go about doing this. 

1. Simply examine the bill yourself to ensure that an error didn’t result in a larger bill. 

2. Ensure that nothing the medical provider did made it so that you had to stay in the hospital longer than you should have. 

3. Consider having your bill examined by a medical bill advocate, an expert familiar with the medical laws and coding. 

Furthermore, it is important to remember that collection agencies are usually willing to work with you. One avenue you can pursue is applying for financial assistance and setting up a zero-interest payment plan. Negotiation is almost always an option. 

The Cost of Going to Court

Again, while collection agencies will go to court over medical bills, they’d prefer not to. Ultimately, they rarely get full payment though lawsuits and the entire legal process costs them money too. So, they are almost always willing to negotiate, which is vital to avoiding a lawsuit. If you need help negotiating down your medical debt, rely on the professional debt management services of Progressive Debt Relief. 

Get Help With Your Medical Debt 

If you find yourself facing the possibility of going to court over medical bills, Progressive Debt Relief can help. The experts at Progressive Debt Relief have the ability and experience to help you get the best settlement possible and ensure that you have the tools and knowledge to avoid future instances of financial distress. Known for efficiency and discreetness, our debt counselors will negotiate with your creditors and collection agencies to reach a debt settlement or repayment plan that works for you. 

To find out more about how we can help or to schedule a free consultation with no upfront fees, contact us today.