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More than any other debt, medical bills can completely fracture a family’s financial security. People who have no health insurance or limited coverage often try to avoid medical bills for fear of not being able to pay it back. Short of bankruptcy, the debts can pile up eating away at your savings, paycheck, or even turn into liens on your home.

People fear medical collections with good reason. There is no payment plan with most medical debts. Once you are treated and if the bill isn’t paid within a few weeks or months, the accounts are often sold off to collection agencies. Those agencies start demanding the full balance at the onset and people who are afraid of being sued enter into a realm of constant requests and demands for payment.

With one in four adults having medical bills and no way to repay them, people often hide from the bill collectors which only adds to the stress. According to assetplatform.org, 39% of adults used up their savings trying to payoff medical bills. What’s worse is that the debts seem to never go away if you are uninsured. As quickly as you may payoff existing medical bills, you could get sick again. Then the process of trying to pay the costs starts all over. This cycle is usually what forces people into bankruptcy.

According to Credit Builder’s Alliance – a non profit community aimed at helping people with credit and debt, access project offers programs nationwide to help org’s with medical debt related issues for consumers. Organizations who do not offer this tool can contact Access Project and request a toolkit. If you are currently on a debt program with an Org and would like them to look into the tools that can be leveraged, then read below.

 Access Project works nationally to examine the consequences of medically-related debt for individuals and families. The project is available to help organizations work with their clients to solve medical debt problems. If you have a client with medical debt, the Access Project has a technical assistance line to provide strategies, coaching and tools for medical bill management and negotiation. Call toll-free (866) 918-5232 x231, or visit the Access Project website and you will receive a response from our program within five to ten business days.

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