The Law Office of Kim Covington

Call For A Free 1-Hour Consultation
541-393-2790 | 800-673-1891

Please Ask For Kim Directly When Scheduling An Appointment

Unpaid medical bills can affect credit score

For many Oregon residents, medical bills form a significant amount of their overall debt burden. Even people with insurance may struggle with high deductibles, expensive medications or out-of-network treatments. As a result, people may find themselves facing significant amounts of debt simply for seeking much-needed health care. In fact, one study found that around 30% of Americans have some form of medical debt totaling over $500. People may be concerned about how their medical expenses could affect their credit score.

Credit reports are used to determine access to loans and credit cards. They can even affect a person's ability to rent an apartment or receive good rates on their car insurance. Unpaid medical bills, like other forms of debt, can certainly appear on a credit report. There are several ways people can help to protect themselves. In the first place, health care providers do not automatically report unpaid debt to credit agencies. Instead, it is usually reported after the medical debt is sold to a collection agency. People who can work out a payment plan with the health care provider are more likely to avoid this problem.

In some cases, people can negotiate with a debt collection agency to remove the negative credit bureau report in exchange for a payment. It is important to obtain such an agreement in writing before moving forward. Individuals should also take care to ensure that they are paying a collector for a legitimate debt; scammers are known to present themselves as collectors for phony debts.

Other people may face thousands of dollars in debt that they are unable to repay. Personal bankruptcy can be one option to finding debt relief. A bankruptcy attorney can provide advice and guidance on filing for Chapter 7 and Chapter 13 bankruptcy.

No Comments

Leave a comment
Comment Information
email us for a response

Learn More About Your Fresh Financial Start

Bold labels are required.

Contact Information

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


Privacy Policy

The Law Office of Kim Covington is a debt relief agency, and I have helped families, individuals and small businesses, file for bankruptcy relief under the U.S. Bankruptcy Code, for over 19 years.

The Law Office of Kim Covington

The Law Office of Kim Covington
1445 Willamette Street, Suite 9
Eugene, OR 97401

Toll Free: 800-673-1891
Phone: 541-393-2790
Fax: 541-344-6466
Eugene Law Office Map

P: 541-393-2790

T: 800-673-1891

F: 541-344-6466