Medical
Debt Relief

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Explore Options for Medical Debt Relief

Medical bills are the most common source of debt in the U.S. If you're struggling to keep up, you're not alone. Century Support Services is here to help you navigate your options for medical debt relief and create a personalized path to solid financial ground. Through our debt settlement programs, we can help reduce your medical debt by up to 42%.

Can a Debt Relief Program Help With High Medical Bills?

Dealing with medical debt can be overwhelming, but you have several paths to make it more manageable. Before committing to one, it's essential to understand what each option provides and its long-term implications for you. These are the most common strategies for managing and reducing medical debt:

Loan Consolidation - This option combines multiple debts into a single loan. It does come with an interest rate, which adds to your bills but offers relief through affordable monthly payments.
Credit Counseling - A nonprofit credit counseling agency can provide guidance, help you create a budget, and enroll you in a debt management plan to repay your bills and keep you on track.
Debt Settlement - Professional debt specialists negotiate with your healthcare providers or the collection agencies to pay a lump sum that is less than the total amount you owe, significantly reducing your responsibility.

How Century’s Program Works

Medical and Insurance Costs Continue to Rise

It's no secret that healthcare costs are one of the most significant pain points for families in the U.S.:

Causes of Medical Debt

Medical debt can accumulate from various healthcare services, often unexpectedly. Emergency room visits and unplanned hospitalizations are significant contributors, as are diagnostic tests such as MRIs and CT scans. Even routine outpatient services, specialty care, and prescription drugs can lead to significant bills, especially when they're not fully covered by insurance.

Protecting Yourself Against High Bills

Proactive steps can help you avoid the stress of high medical bills. Before scheduling outpatient services, verify your insurance coverage to understand what will be paid for. Always review your bills for errors and discuss any discrepancies with your insurance provider before making a payment. Maintaining a healthy lifestyle through a balanced diet and regular exercise can also help prevent certain medical conditions and their associated costs.

How to Get Medical Debt Relief

Medical debt settlement is a process where experienced negotiators at Century Support Services work on your behalf to reach an agreement with your healthcare providers or collection agencies. The purpose is to settle your debt for a lower amount than you originally owed. Once a settlement is reached and you approve it, you pay the agreed-upon amount, and the remaining balance is forgiven. This can significantly reduce your debt burden and help you move forward financially.

Frequently Asked Questions

: Yes, it is often possible to negotiate directly with healthcare providers or hospitals. They may be willing to work out a payment plan. However, negotiating a settlement to reduce your responsibility can be a complex and intimidating process, which is why our expert team is here to handle it for you.

: Medical debt can be discharged through bankruptcy, just like other forms of unsecured debt, such as credit card balances. Chapter 7 bankruptcy can eliminate it entirely, while Chapter 13 allows you to repay it over time through a structured plan. However, bankruptcy has long-term consequences for your credit and becomes public record. It should only be considered as a last resort.

: Yes, debt settlement can lower your credit score in the short term because you'll stop making payments as we negotiate the debt. The process is noted on your credit report, and accounts may be reported as "settled" or "paid for less than the full amount." However, as you resolve your debts and begin to rebuild your financial health, your credit can recover over time.

: Yes, if medical bills go unpaid and are sent to a collection’s agency, it will be reported to credit agencies, which can harm your credit score. A collection account on your credit report is a serious negative mark that can lower your score and make it harder to get approved for new credit in the future. There is a one-year grace period before unpaid bills are reported, giving time to settle debts. Also, delinquent bills under $500 aren't reported.

Protect Yourself Against the Strain of High Medical Bills

Medical debt can add stress to your life, keep you from enjoying the things you love, and even cause tension within your family. Century Support Services provides personalized debt relief solutions to help you get back on track. With no upfront fees and a dedicated team of experts, we guide you every step of the way. Resolving debt is essential because:

The stress of debt can keep you from enjoying your life
Debt can stop you from pursuing your dreams
Personal relationships can suffer under unmanageable debt

Mental and emotional strain are more burdens that can make daily living a struggle. Let's discuss how we can help you manage debt and minimize the likelihood of compounded problems at home.

Find Relief for Medical Bills

Century Support Services offers medical debt relief programs for individuals nationwide to reduce what you owe and help you regain your financial footing. Contact Our Team for a free, no-obligation medical debt assessment and take the first step toward a debt-free future.

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