50 k surrounded by debt from unpaid medical bills adjectives earlier i turn 24 HELP? how do i fix this i have renal breakdown , and would

how do i fix this i have renal breakdown , and would go to the ER
for treatment of condition problems prior to having insurance and only just wouldnt pay the bill . immediately i am on a fixed income because of my kidneys
and i want to clear this debt ,
i know have insurance . and the together debt is just contained by medical bills
i have never have a credit card , loan or even anyother
type of unpaid bill but my credit is wrecked
so how do i fix it

You should contact the creditor. Tell them you are on a fixed income. Be truthful. Basically let them know that your propensity to pay is extremely predetermined. Try and make a promise you can live with.

Now permit me tell you a dirty little underground. Since you had no insurance, they billed you a register rate. Since you have insurance in a minute, look at your claims statements. Notice how about 60% to 80% of the charge is disallowed per their agreement beside the insurance company? Say they bill $100 for a test. The insurance claim may state that by contract, they are with the sole purpose allowed to bill $25 for it, and then you enjoy a co-pay that probably completes payment.

Your position should be that if they'll settle for 20% to 40% on the dollar beside insurance companies, they can settle for that with you too. Their lone other choice is to be stiffed. You have a position of some strength and logic here. Use it to your help.

My last tip is to create sure you get any buy and sell in writing beforehand sending in any payments, and that once complete, your report is to be reported as "Paid in full."

Good luck.

Call the creditor, see if they will create a deal on lowering the debt and arranging compensation options.

They will plausible lower the debt, maybe even cut it within half, but payments might be something approaching $500 per month or more.

Answers: If you are on fixed income and have exceptionally few assets, your best bet would be to file chapter 7. They cannot touch your Social Security disability income.

The answer could not be clearer; directory bankruptcy.