 TITLE: How to Pay Medical Debt and Avoid Damaging Your Credit CONTENT: What to Do if Your Medical Debt Is Already in Collections\n---------------------------------------------------------\nIf you're already behind on a medical bill and it has gone into collections, don't ignore it—having an account in collections can take a toll on your credit.\nFirst, make sure the amount they're saying you owe is accurate. It's wise to ask your medical provider or the collections agency if they will negotiate with you. Their goal is to get money back, so they may be willing to accept a lump-sum payment or repayment plan, and sometimes they will agree to let you repay an amount that's less than what you owe.\nAnother option is to work with a nonprofit credit counseling service. A certified credit counselor can work with you to come up with a debt repayment plan that fits in your budget.\nIf the amount you're being asked to pay is incorrect, you may need to file a dispute or otherwise sort it out with your medical provider. END