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Is it possible to negotiate lower medical bills? Atlanta, GA

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Is it possible to negotiate lower medical bills?

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As we’ve previously discussed in this blog, medical bills are a leading cause of bankruptcy in the Atlanta area. Often, people incur huge medical expenses when they suffer illnesses or injuries while they are uninsured. However, one does not have to be without medical insurance to end up facing unmanageable medical debt. Sky-high deductibles, mounting premiums and sudden injuries or health troubles can, and often do, result in thousands of dollars of debt.

While bankruptcy protection may be one way to rid oneself of such debt, there may also be other options available to those who struggle to pay their medical bills.

The first step to fight medical debt is to avoid incurring it. Consumers should price out their planned medical expenses by researching hospitals and clinics online, and even calling to ask for estimates. Those who have insurance can also study their policies to ensure they take advantage of the coverage by going to certain care providers. For those who cannot afford the estimated rates, consider asking the hospital or medical office if they can provide a lower rate. If they agree, get this in writing.

Negotiating lower bills may be possible for those who have already incurred medical debt as well. Health care providers may agree to take a lower lump sum payment than what is owed, or they may agree to put together an affordable payment plan. Again, if an agreement is negotiated, be sure to get this in writing.

When neither planning for affordable care or negotiating bills is possible, it may be time to talk to a legal debt relief professional about one’s options. One viable option may be Chapter 7 bankruptcy, which allows consumers to wipe away most debts and begin again with a clean slate.

Source: New York Daily News, “How to negotiate hospital bills and avoid medical bankruptcy,” Christina LaMontagne, Aug. 20, 2013

Posted on behalf of Gingold & Gingold

1718 Peachtree St NW, #385
Atlanta, GA 30309

Phone: (404) 685-8800

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Gingold & Gingold LLC
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!

All C.

Mr. Gingold was recommended by an attorney I had worked with previously. I met with Ira Gingold to discuss credit issues. He went over each specific issue thoroughly. He advised me of the potential outcomes. He did all this in one meeting for a very reasonable price. When we finished I was confident in moving forward with a resolution. He definitely wants to help people take the appropriate course of action for their circumstance.

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.

Sherard W.

I cannot say enough about this law firm. From the initial consultation to our discharge, the entire office kept me updated with every step of the entire process. I came to the Gingold after a bad experience with another law firm. Ira and Jamie immediately began treating me like family through this experience. In the end, they assisted with eliminating many debts including my 2nd mortgage. I cannot say enough about the experience and knowledge that Ira brought to the table from the office visits to the court time. Thank you very much for helping me through this tough time. Thank you.

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