There are many debt assistance options in order to get out of credit card debt or pay off credit cards. You can choose a consumer debt settlement company to negotiate your debt down, sometimes by as much as 40 to 60 percent of the outstanding balance and even know all about chapter 13 bankruptcy information. This may be a good route to consider if the amount is in collections, because the potential savings can be very high. Another option that can be considered is consumer credit counseling. In this type of program, a payment plan can be arranged between you and the hospital.
Although this can be effective you can also attempt to negotiate your medical bill payments yourself and save on the fees charged by the debt counselor. You just have to fill out a form to get matched with a medical bill assistance service. There are no grants for paying off medical bills. However, if the hospital run on a non-profit basis then it is quite possible that the debt gets forgiven if you express financial hardship or inability to pay your loan. You can know whether your medical provider is non –profit by visiting the American Hospital Directory. With the increasing cost of medi-care costs, debts on these grounds are also common and to resolve this, you can opt for debt settlement or debt consolidation which will help you lower your debt burden in a short time. Even after taking into account the fees that you may have to pay to the debt reduction company, the hospital bills that you incur might be much lesser than what you actually owe.
The site also gives a check list for you to adhere to prevent yourself from being over-billed by the hospital. Hospitals sometimes charge for services that are not rendered by them, fail to competitively price their drugs and products, bill for services under assumption etc. If you have persistent problems regarding your medical bills the site will put you on to a debt management service provider who will be able to mitigate your debt associated problems.