How to get out of medical debt and how do you recieve a free credit report?
111158
I provided a link for the free credit report from the government. As for your medical bills. Call the doctors and explain to them your situtation. Some doctors are known to reduce their bill and sometime even write them off. If your bills are with a hospital, call them and try to work off a payment plan. The best way to do this is to sit down and write a budget for the month. Make sure you list your home, food, and utilities first. Next, car and gas payments. Then other bills, like daycare. Make sure you have all the money going towards something. Just be honest with them and tell them you want to do the right thing and pay them. They should be able to work something out with you.
132343
I have been in a similar boat as you. My husband has migranes and was refered to a sepcialist/psychologist/CAT scans/ect.... We never dreamed that the insurance company wouldn't cover most of this so we were stuck with over 10k in debt. His credit score was the national lowest. Over a period of 2 years we have been paying one bill at a time. Most of these are collection. We pay the newest ones first because they are considered more "credit" worthy? (if thats the right term) If you pay the bills that are older first it looks like you take on new debt not to re-establish credit but to get by. Credit companies don't like that. So pay the newer ones first. It takes alot! of time and patients.\nIf you were to pay off all of your bills at once it wouldn't change your credit score overnight either. It takes time for it all to be processed. You may even have to provide proof of payment to your credit agency. Trans Union so forth. Use bankruptcy as a last resort. Bankruptcy laws are different but mostly for large companies. Bankruptcy still has a negative effect on your credit for like 10 years or something. So while you can pay little by little over a period of a few years and all the while your credit score will go up and up, filing bankruptcy will cause you to suffer credit wise for the next 10 years!\nOn the up side, after you file bankruptcy I believe its like 6 months and you are eligible for certain types of high intrest credit loans. (car/bank) but not financing on a home or anything costing alot of money. I don't know the law on that too well but I think thats right.\nAs someone said before, you can always talk to a lawyer. Make sure you have all of your bills and a copy of your credit report. A lawyer may be able to suggest a good option other than bankruptcy. \n\nTo rebuild credit means to pay off old debt. In the mean time you go without credit. If you have cards cancel them. Until you get your balances back to a "safe" level do NOT use them. After you cancel your current cards you may find it difficult to get new cards right away. That should tell you something. Stop using them. Ok ok. There will come a point when your credit will start to improve. Keep away from the cards until all the debt you have will fit onto one card (low monthly payments) Use this card to "build" your credit to an even better standing, say 600. Keep it up and your looking at about 20 points every 6 months. So it isn't impossible, but it is hard. You really have to want to avoid bankruptcy and repair your credit the good way. \n\nDon't waste your time with "credit counselors" unless its through your bank. They charge soo much money for their services. You end up paying them more than creditor.
1113172
I was in the same situation but I'm pretty much out of debt because I consolidated my credit cards.  I'm in a program with Ameri-debt.  If you need the phone number contact me.  They have actually helped me alot and I've gotten a lot of my family members to join and they have felt alot of relief.  Hope I helped.
542555
Here is how the game is played....\n\nIf you pay off your debt, you still have to deal with that negative report on your credit.\n\nPlacing "paid" on it does NOT remove  negative information such as late fees or that it went to collections.  Those who tell you otherwise are lying or ignorant.  I've counsoled many, many people who made the mistake of paying off debts, hopeing to get their credit improved, only to see it barely helped at all.\n\nThe ONLY person who can edit/delete credit information is the creditor to placed that information there.  And it's very unlikely you will get their cooperation once you have paid the debt.\n\nTherefore, before you pay them a dime, get IN WRITING that they will remove all negative information from your credit report.  Don't pay them a dime unless they do!\n\nRemember, you are trying to fix your score.  Why pay them if it's not going to help you out?  \n\nUse the sample letters below and write a negotiation letter.
521413
Start by getting a free credit report from each of the three credit bureaus. There is now a federal requirement that they offer US consumers one free repeort per year.  Don't get the combined reports.  If you do you will have used your 1 free annual report and will not have all the info you need to correct the errors that you find. You will want to pay the small additional fee to get your FICO score from each, it should cost about an additonal $5 if you find the right options on the website. Be aware that they offer many other options most of which primarily cost you more money, but give little benefit.\n\nRead over each report carefully.  Errors are very common. Ask them to investigate and remove each error. Correct even errors such as wrong addresses, and update address and employment information, they reflect on your stability and do have an effect on the decisions that lenders make. They have 30 days to investigate and respond.  If they are not able to correct something that you know is a mistake, then you start calling an writing the lender directly to the business  to get the problem solved.\n\nYou now know exactly where your credit rating stands.This gives you your starting point for your 1 year project of \nimproving your credit. \nIf you are over extended, and have gotten into a habit of living above your means this is the time to change the habits for a good cause!\nMake a careful tight minimum budget. Figure out the minimum amount you can get by one for living expenses each month. Then dedicate the remaining funds (the total amount left over in your budget after paying necessary expenses)toward paying of debt and clearing up credit. \n\nEliminate all unnecessary bills (cancel cable,and any other unnecessary expenses) Examine your bills, are there options you can eliminate? If you have trouble keeping up with all the little payments like many of us do, you can use a free bill paying service like www.mycheckfree.com or a bill paying service from your bank like the one offered by Washington Mutual www.wamu.com.  If you are managing a tight budget there can be advantages to using a service that is separate from your bank, in order to schedule the payments in advance and before the(hopefully direct deposited) funds are in your account each pay period. Make or schedule to each payment to arrive in advance of the due date and pay at least the minimum plus one dollar on each and every account.  Then determine which of your debts has the highest interest rate. List them in order of the highest rate to lowest rate down a sheet of paper in you bill payment / credit improvement folder. After you have made sure that every account has at least its minimum payment plus 1 dollar paid each month, then calculate how much money is left over at this point.  Apply all of this money toward the account with the highest credit rate first.If this pays that account in full and leaves you any money left over, continue down teh list applying the maximum amount to each account as you go down the page. Always paying off the highest interst rate accounts first.\n\nSet up a folder where you put all bills, and staple a sheet of paper to the folder. list all of your payments, thier due dates and the minimum due in columns down the sheet.  Each month when you make your payments record it in writing on this sheept along with any additional notes that you may find useful. Take all your credit cards but one out of your wallet, leave them  in a safe box at home.  Do not purchase anything on credit for the year of the project. Keep the one card for real emergencies. A shoe store sale with shoes to die for is not a real emergency! \n\nDo not apply for any new credit during this year. None. not even asking for a new cell phone company quote or insurance quote, if they will do a credit check.  They probably will.\n\nDo not close any accounts, especially if there have been problems. When you close an account you also close off the possibility of improving
890213
When you find out be sure to tell me!\n\nBut seriously the only "free" way to get out of debt would be to file bankruptcy and even that's not free.  You have to obtain a lawyer and depending on what kind of bankruptcy you're eligible to file you may still have to pay a small payment each moth depending on the amount of debt you've incurred.
998414
#1) Pull all your reports. Not online, request actual physical copies. They usually contain more than what an online report does. This will give you a start on where you need to go with your reports. Also, keep them. Never toss them. They are proof later on if you need them to refer to if you ever get into a legal situation regarding your credit (lawsuit etc). You can get your first set free on an annual basis at annualcreditreport.com.\n\n#2) Dispute. Dispute anything that is not correct including, balance amounts, lates, etc. If you have only one or two lates, I would call your creditor and see if you can get them removed via goodwill gesture, or send a goodwill letter. You can find some great letters on some of the credit boards like creditnet.com and creditboards.com.\n\n#3.) Collections? If you have any collections on your account or anything that should not be there, send a DV (debt validation) to the creditor asking to prove the debt. If they cannot, they have to remove the debt off of your report by law.\n\n#4.) You have rights - check out http://www.ftc.gov/os/statutes/031224fcr... for more info.\n\n#5.) check out some of the posts on creditnet.com and creditboards.com for assistance. \n\n#6.) If you have no credit, or want a temporary boost - have a family member or really (really, really, really) close friend add you in as an authorized user on their credit cards. Make sure the balances are not high, otherwise this could hurt you more. The higher the available credit, the more your utilization will go down on your report - therefore bumping your score.\n\n#7.) Avoid unnecessary inquiries. Hard pulls can hurt you, so avoid applying for new credit cards unless necessary.\n\nThis of course is a shortened version of things you can try. Research info on those links I provided you. You can increase your score spending just a short amount of time per week, sending letters to creditors etc. I increased my score over 100 points in less than 6 months. Depending on your situation, this could take shorter or longer time, but at least you have somewhere to start. Good luck!
176027
1. Pray\n\n2. cut out unnecessary expenses (you'd be surprised what you can cut out)\n\n3. concentrate on paying off one bill at a time.  Start with the smallest balance.  Once you pay that one off, you will feel better, and you can apply that money to the next bill.  \n\n4. talk to your creditors, some may have special programs for people in difficult situations.\n\n5. consider consolidation, but be careful.  This can lead to more debt if you don't reduce spending.\n\n6. Talk to reputable credit counsellors.  Beware of those who promise to work miracles with your debt and bills.  If it sounds to good to be true, it is probably a fraud.\n\n7. Don't pay a credit card with a credit card, that will only make things worse.  The only exception is to transfer a high interest rate balance to a low rate card.  Even then be careful.  It's easy to make it worse.
395711
First, you have to realize and accept the fact that there is and won't be any easy way out of your debt without certain consequences.\n\nHere are a few suggestions from someone who's been and done that:\n\n1. Go to a debt consolidation company, they will make negotiations on your behalf with your creditors for a lower monthly payment. Basically, you will make a agreed upon monthly payment to this company and they will in turn disburse the money to each of the creditor each month. You can call them and tell them your situation as far as the amount of debt and your income. I can suggest one I;ve used in the past, Debt Options in FL, 800-523-0102. It will have a negative impact on your credit score, but at least you will be able to pay down the debt in a fairly short time, and you will only have to repay a small percentage of the actual debt, maybe around 10-30%.\n\n2. File bankruptcy, this is the fastest and least painful way, you can file for Chapter 7 and just walk away from all of the debt. Even though the laws have changed, you can still file for a Chpater 7 or 13 bankruptcy depending on your particular situation, you would have to speak with a bankruptcy lawyer. The fees are probably around $1000 to $2500.\n\nIf you have been in debt for 20 years, then you really need to review your situation seriously and make a decision if you truly want to regain control of your life and finances. It sound that at your current pace, you will still be in debt another 20 years from now! \n\nAs painful as my suggestions may sound, it at least provides a way out for you and then you can start all over with a clean slate, no debts! Trust mem there are millions of people filing bankruptcies every year, so it is not a life ending move, but rather a way to give you a new start.\n\nIt's your life, you can decide as you wish...good luck!
253417
How old is your son?  If he's under 18 why are they billing him?  \n\nIf this is the only negative hit on his credit report, I would suggest you contact the hospital (don't mess with the collection agencies) and work out a payment plan.  But ONLY if they agree to remove any mention of the debt from the credit report.  Otherwise, what's the point in paying the bill?
479341
You can go to www.annualcreditreport.com . By law 3 credit agencies are required to give you a free credit report once a year. However, you do not get your credit score, just your credit report. If you want your score they usually charge around $6- $10. Good Luck.
920328
Your first step would be to get a copy of your credit report.  You can obtain one free if you have been denied credit in the past 30 days and you are also entitled to one free copy per calendar year.  \nYour credit report will show who you owe and will also give you addresses and phone numbers to get in contact with them.  Assess who you owe and how much and work out a budget.  Then give those people a call.  Some may even be willing to settle for less than owed.  Its a small start but its a beginning and you will be on your way to creditworthiness again.\nGood luck!
771889
Hate to be the bearer of bad news, but you're probably out of luck unless you can take out a home equity loan.  With a bad credit score, NO ONE is going to give you a loan to pay off your debts because they figure you'll just go out and get into debt again.  Debt consolidation programs like Consumer Credit Counseling Service are really the best way for you to go, given your situation.
81996
Actually, there is a way out of most student loans. If it is a federal loan read the paperwork very carefully. Federal loans have a clause stating that you do not have to pay it back if you end up with health problems that cause full disability. Read your loan. See your physician. You will need a letter from the physician.
333046
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176590
Get a copy of your credit report through equifax. This report is free once a year.
276995
You can't get the credit score. You can get the credit report at annualreport.com for free. If you look at your reports and how the scoring system works, you can get a general idea what your # would be.