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Published Aug 9, 2019

Rx For Medical Debt

Delve into the intricate world of medical billing with Marielle Segarra as she unveils strategies for negotiating and managing medical debt, providing actionable insights on handling debt collectors and asserting legal rights, all while emphasizing the lower priority of medical debt in the financial landscape.
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Episode Highlights

  • Harassment

    Dealing with harassment from debt collectors can be overwhelming, but there are ways to assert your rights. explains that sending a verification letter can help clarify the debt's origin and legitimacy. Additionally, you can request debt collectors to stop calling during work hours, as they are legally obliged to comply 1.

    You can send letters to get them off your back and give you some breathing room, but if they're hauling you into court, you should show up and defend yourself.

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    It's crucial to stay informed and proactive, especially if you suspect an error in billing or insurance coverage 2.

       

    Legal Protections

    Understanding your legal protections against debt collectors is essential in managing medical debt. highlights the importance of knowing the statute of limitations, which varies by state, as a defense against lawsuits for old debts 1. After a certain period, typically seven years, you can argue that the debt is no longer collectible in court.

    States each have a statute of limitations for how long you can be sued by a debt collector for debt.

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    Additionally, if you believe the debt is incorrect, requesting an internal review from your insurance company can help resolve disputes 1.

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