Medical bills can be the hardest of bills to contend with. Your income may not be suitable to make needed payments and once you become delinquent month after month it is reflected on your credit report. These are challenging but there are a few ways that you can regain structure by some simple budgeting steps.


Accumulate the total amount of medical bills you have. Take the total amount and divide it by the number of times a year you are paid. 26 if your paid bi-weekly and 52 if paid each week. This will give you the amount you must pay each pay check to clear your debts in a year. If you would like to spread it further than a year than take your per check payment you calculated and divide by the number of years you wish. Understanding what you owe and how to pay if off is very important. Knowing how will give you more confidence to do this.


Negotiate your bill. If you are having hard times paying these debts you must try to do so. Call your debtor and plead your case. You may be very happy you did so.

Having a Payment Plan will structure your medical debt. It's your responsibility to pay them off and sticking to a plan will get you through it.

Call your State, local assistance programs may be available to you. Another call that could be very beneficial.

Cut back on your living expenses and go bare bones if you need. If you are having hard times paying your debt than having cable TV, fast internet and eating out need to stop. 90% of families could cut back $200-500 a month by simply re-evaluating their accustomed living.

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