You may be feeling the pinch of the credit crunch.  Going to the doctor may be more of a burden than ever before.  What happens if you can’t pay your medical bills.  Believe it or not most medical providers will work with you on payment.  Once you go into collections you position to negotiate gets even better.  From the medical providers point of view, they are already faced with millions of dollars in uncollected medical payments.  They will most likely be willing to take something rather than nothing.  If you are in collections I would save up and see if they will take a lump sum payment.

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