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Once that promo period ends, regular APR charges will apply.

Can’t negotiate away the interest on your unpaid medical debt?

Medical billing advocates can be found through organizations like the Alliance of Claims Assistance Professionals or the Alliance of Professional Health Advocates.Beginning in September 2017, the three major credit agencies (Equifax, Experian, Trans Union) made some changes with regard to the reporting of medical debt.Chief among them: instituting a 180-day waiting period before including medical debt in credit reports.Most hospitals have programs to reduce some (or even most) of the costs for patients who have trouble paying.Contact the billing department and ask to talk with a supervisor, says Martin Lynch, a certified credit counselor and Director of Education and Compliance Manager at the nonprofit Cambridge Credit Counseling in Agawam, Mass.

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