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Managing Medical Debt Atlanta, GA

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Managing Medical Debt

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Debt from medical bills is a huge financial struggle for many people in Georgia. Medical emergencies, hospital stays, and surgeries can easily cause people to rack up thousands of dollars in credit card debt, use up retirement savings, and even lose their homes or have to file for bankruptcy when they are unprepared to do so. Georgia has been ranked #7 out of all 50 states in credit card debt. While Georgia residents carry a high balance on their credit cards, it is still staggering to know that medical bills continue to outpace credit card debt and medical bills are the number one source of debt.

Medical issues and emergencies are most often unpredictable, and the time and amount of money necessary to recover can vary tremendously. It is almost impossible to budget for medical bills that arise that are more than your standard checkup, cold, or flu. The entire medical industry is a complicated web of insurance deductibles, rates, and codes that are all but impossible to figure out. The rising cost of health care has been contributed to the medical debt – and this is especially true for those who have private health insurance or who have lost their jobs and their health insurance.

It is essential that you review your medical bills carefully. The Federal General Accounting Office estimates that 99% of all hospital bills contain overcharges. You have the right to request and review itemized invoices. When you receive it you need to check for duplicate charges, look for unreasonably high charges ($22 for two Tylenol, $40 for a disposable pillow, etc.), call the billing office and ask for an explanation of codes that you do not understand. Do not hesitate to challenge overcharges or anything else that seems unfair.

You can negotiate your medical bill. Most medical providers are willing to negotiate your bill if you’re having trouble paying it in full. Make sure to contact your provider before the bill is delinquent so that they are more willing to work with you! You can also ask if you can pay your bill over time so that you have a payment plan with which you can budget monthly. Make sure you get all payment terms in writing to protect you in the long run.

Understanding how to manage your medical debt can protect your financial future.

Posted on behalf of Jamie L. Gingold, PC

195 14th Street NE #1604
Atlanta, GA 30309

Phone: (678) 915-2634


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    Our Client Reviews

    Jamie L. Gingold, PC
    5.0 / 5.0

    Based on 28 reviews

    Jack L.

    They did an excellent job with my case. Jamie took the time to really listen and understand things. She delved into the details and was extremely knowledgeable and non judgmental. Very professional and they know what they are doing. Would definitely recommend!

    Karen B.

    Dear Mr Gingold, There are so many reasons to be thankful for all you have done and will do. Anyone who has ever had unfavorable experiences with an attorney or the legal system will feel the trepidation that I experienced once I realized that my situation seemed hopeless. It was by chance and happily good luck that I decided to put my future and sanity into your hands. I was mortified at having to deal with my debts by claiming bankruptcy. I remember in our first meeting how you assured me that I was not alone and should not feel ashamed. And, anyone in this position obviously does not have money to spare and you were clear about all the costs and allowing me to pay according to my own ability to do so. You advised me in all aspects of the law, but also, you were at each meeting incredibly supportive and complementary of my personal and professional plans. Anyone else in this situation should feel blessed to have access to your expertise and support.

    Lyla B.

    I thought the process of filing bankruptcy was going to be a difficult one. However, Gingold & Gingold treated me with respect and dignity from the moment I walked through their door. I had the pleasure of working with Jamie. She is very responsive, professional, and knowledgeable. She took the time and listened to my every concern and handled each and every one of them to my satisfaction. My experience with filing bankruptcy under Gingold & Gingold's representation exceeded my expectations in a major way. They gave me such a peace of mind. I am very pleased with my decision of going with Gingold & Gingold to represent me when I filed Chapter 13 bankruptcy.

    Julie T.

    Wow! I am finally out of debt and can say that I am debt free after completing my chapter 7 bankruptcy case with Gingold and Gingold. Mr dangled was very knowledgeable and direct with regard to my debt situation. there were no surprises and the case went as I was advised. The staff was also very helpful whenever I had a question. I will definitely recommend them in the future to my friends.

    Julie T.

    I contacted getting old and getting old regarding some old tax debt and credit card debt that I needed to address and had been putting off. miss Irving in the office was very very nice and put me at ease. I met with Jaime Gingold. She was very nice and explained the procedure to me and what would be left owing to the Internal Revenue Service and the State of Georgia after my case was done. My case has now been completed and I am on my way to a new start. Thank you Gingold and Gingold for all of your help.

    Anna T.

    Amazing! Outstanding!! They went over and beyond..I would recommend them to anyone needing a lawyer!!

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