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How to Get Medical Debt Relief in Sterling Heights

Do you have outstanding medical expenses?

Here are some tips for finding relief with medical debt.

Bronson Healthcare in Southwest and Central Michigan had over $70 million in 2023 in uncollected medical debt. [1]

Check Your Medical Bill for Errors

Medical billing errors are not uncommon, and they can occur for various reasons. A simple data entry mistake could result in incorrect charges, or a miscommunication between healthcare providers and insurance companies might lead to billing discrepancies. 

Carefully analyze each line item, comparing it with the services you received during your medical treatment. Keep an eye out for any duplicate charges, inflated costs, or procedures that you did not undergo. It is not uncommon for healthcare facilities to inadvertently add charges for services you did not receive, scrutinize every detail.

If you come across any discrepancies while reviewing your medical bill, don’t panic. Begin by contacting your healthcare provider’s billing department or your insurance company’s customer service. Inform them about the errors you have identified and request an explanation or correction. 

Your healthcare provider or insurance company might require additional documentation to support your claim. This could include receipts, medical records, or any other relevant paperwork that confirms the inaccuracies in your bill. 

Check Your Medical Bill for Errors

Negotiate Medical Debt

Effective ways to negotiate medical debt and regain control over your financial situation include:

Ask for a Payment Plan

Many medical providers and creditors offer flexible payment arrangements, tailored to individual financial capabilities. These plans may include reduced monthly payments, extended repayment periods, or even discounted settlement amounts.

When discussing payment plans, try to negotiate terms that will suit your financial situation best. If the initial offer does not seem feasible for you, don’t hesitate to request adjustments such as lower monthly payments or an extended timeframe for repayment. 

If you encounter difficulties during this process or face resistance from your medical providers or creditors in offering a payment plan, consider seeking professional advice. There are nonprofit organizations and credit counseling agencies dedicated to assisting individuals with medical debt and negotiating on their behalf. 

Ask for a Payment Plan

Consolidate Medical Debt

One of the most common methods for consolidating medical debt is through personal loans or credit cards. Sterling Heights residents can approach local banks, credit unions, or online lenders to apply for a personal loan that will cover all their medical bills.

This option allows individuals to combine their debts into one single monthly payment, often at a lower interest rate than what is typically charged for medical bills. Individuals can also transfer their medical debts to a low-interest credit card, ensuring more manageable monthly payments.

Check for Government Assistance Programs

Government assistance programs are designed to help individuals and families with financial difficulties resulting from medical expenses. Here’s how you can check for these programs and potentially alleviate the burden of medical debt.

Check for Government Assistance Programs

Consider Bankruptcy if You’re Out of Options

If you have exhausted all other options and bankruptcy seems like the only viable solution, here are a few points to consider:

There are different types of bankruptcy, including Chapter 7 and Chapter 13. Each has its own requirements and implications. Educate yourself on the specific regulations and consult with an experienced bankruptcy attorney to determine which option is most suitable for your situation.

Bankruptcy will have an impact on your credit score and can stay on your credit report for several years. This can make it difficult to secure loans or credit in the future.

Depending on the type of bankruptcy, you may be required to liquidate certain assets to repay a portion of your debts. Understand what assets are protected under bankruptcy laws and what you may potentially lose.

If you live in Sterling Heights, contact Frego & Associates to start the process of getting the medical debt relief you need.


How can I prevent future medical debts?

Ensure that you have health insurance coverage that fits your needs and budget. Regularly review your policy to understand what is covered and what costs you may be responsible for. Maintaining a healthy lifestyle can also help reduce the likelihood of needing costly medical treatments or procedures. Seeking preventative care, such as routine check-ups and screenings, can catch potential health issues early on, minimizing the need for expensive interventions.

Is medical debt considered a type of unsecured debt?

Yes, medical debt is generally considered a type of unsecured debt. Unsecured debt refers to debts that are not backed by collateral, such as a house or a car. Since there is usually no physical asset tied to the debt, healthcare providers cannot repossess any property in case of non-payment. Even though medical debt is unsecured, it can still have significant consequences on credit scores, collection efforts, and potential legal actions by creditors.

Can I appeal medical bills that I believe are incorrect or unfair?

If you receive a medical bill that you believe contains errors, such as incorrect charges or billing for services not rendered, it is important to address the issue promptly. Start by contacting the healthcare provider’s billing department to discuss your concerns. Provide any supporting documentation or evidence that clarifies your position. Many healthcare providers have a formal process in place for bill disputes and may be willing to review and adjust the charges if errors are identified.


[1] Michigan health care system aims to ease burden of medical debt. (2024, April 8). The Detroit News.

[2] Fair Debt Collection Practices Act. (2016, March 23). Federal Trade Commission.

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