Thanks to the decline of the economy, a lot of people are finding that they have a stack of past due medical bills. The stack gets larger and larger every month, and they don't know how they are going to manage to pay them.
Here are some steps that you can take to deal with unpaid medical bills.
Look at Your Budget
The first thing that you want to do is take a look at your budget. If you don't have one yet, make one up. List all your expenses and your income for each month to figure out where your money is going.
Get the Bottom Line
Go through your past due medical bills and make a list of what you owe. If you don't have your latest copy, call the number that is on one of your older bills and find out what your current total is.
Talk to the offices and hospitals that you owe money, and see if they would be willing to come down on the amount that you owe. If you have the cash available, let them know that you will pay them right now if they are willing to lower the amount that you owe.
Ask About Payment Plan
If negotiating isn't possible, ask them if you can make payments each month. If they suggest a figure, make sure that it's something that you will be able to do. Chances are that you will be able to come up with an agreement that will work for the two of you. All you have to do is make sure that you are polite and that you remain calm throughout the talk. This is going to increase your chances of the billing staff listening to you.
The times are tough for everyone, but that doesn't mean that people will be unreasonable. If you come up with a plan and you show that you have done your homework, you are going to show that you are serious about waning to take care of your past due medical bills and squaring everything away. Be educated, be prepared, and be polite. These three things are what will help you to plead your case to your debtors and get your bills taken care of before they ruin your credit.