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We're Not Loyal to Brands. "Between high deductibles, copays, and confusing insurance coverage, not to mention possible billing errors, medical debt poses a unique problem for consumers," says Syed Ejaz, financial policy analyst at CR. "It's no wonder so many wind up in collections and affect people's credit reports and scores." Instead, here is what you should do when you get contacted by a collection agent about medical debt. Gather as much info as you can. If a debt collector gets you on the phone, don't hang up, Howard says. Instead, jot down the name of the collection agency and the person you're speaking with, plus their phone number, address, and email. Also get the name and contact information of the healthcare provider that says you owe them money, the date and amount of the bill, and any other details you can. Simply "asking all these questions can deter a phony debt collector from contacting you again," Howard says. You have a zero balance with the healthcare provider. Contact the doctor or hospital that says you owe them money to make sure you have an outstanding balance. If that creditor says you have a zero balance, ask them to contact the collection agency to let them know. Get it in writing for your records, too, and send a copy to the debt collector by certified mail. One exception: if you have a zero balance because the provider sold your debt to the collection agency. (To find out, ask the provider.) In that case, the debt is likely real and you need to pay, CR's Ejaz says. The debt is less than $500. Starting in the first half of 2023, unpaid medical bills less than that amount will no longer be included in credit reports. While it's still important to pay those debts, this change can mean they are less of a priority for people struggling to make ends meet, Kuehnhoff says, unless you need to see that medical provider again soon for ongoing care. The debt is to a nonprofit hospital and you are un- or underinsured. These hospitals typically have programs that can help people cover medical bills, says Jared Walker, founder of Dollar For, an organization that helps patients apply to these programs. "Nonprofit hospitals are required to have charity care or financial assistance policies, basically as a way to prove to the IRS that they're providing enough community benefit for their nonprofit status," Walker says. "But most of them just don't tell you about it." Select a Donation Amount camera bag cyber mondaygucci imitations

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