If you are receiving unsolicited phone calls from an entity pretending to be ACCC (a trusted non-profit credit counseling agency), please be assured that ACCC’s policy is NEVER to contact you unless you’ve explicitly requested us to call you. Also be cautious of emails from an unusual or unfamiliar domain. ACCC’s domain extension is @consumercredit.com, and any emails using a different extension should be treated with suspicion.

×

ACCC’s Client Login allows current clients to access their program information, including the due date, program benefits, and other documents.

Select a Client Login below based on the service that you are currently enrolled in:

Debt Management Program

Client Login

Bankruptcy

Pre-Bankruptcy Client

Post-Bankruptcy Client

Not yet a client, but looking to get started?

ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

Get Started

Wait!

You are now leaving the Consumer Credit website and are going to a website that is not operated by ACCC. We are not responsible for the content or availability of linked sites.

Are you sure you want to leave?

No, return me to the previous page.

Yes

Resources & Tools

Medical Debt

Medical debt is soaring in the US as healthcare costs continue to rise. A single trip to the hospital may cost thousands of dollars, and insurance – if you have it – doesn’t cover everything. When you are faced with overwhelming medical bills, it’s important to know that there are resources available and steps you can take to manage your debt and relieve the stress of your financial difficulties.

1. Review Your Medical Bills:
• Request itemized bills to understand the charges in detail.
• Verify that the services and charges are accurate.

2. Check for Insurance Coverage:
• Ensure that your health insurance has been correctly billed.
• If you have insurance, work with your provider to resolve any claim issues or denials.

3. Negotiate with Healthcare Providers:
• Contact your healthcare provider’s billing department to discuss your situation.
• Ask if they offer any discounts or financial assistance programs.
• Negotiate payment plans that fit your budget.
• If you have multiple bills with the same Healthcare Provider, ask if they will consolidate all the debt into one bill so that you can make one payment each month rather than payments on each bill.

4. Apply for Financial Assistance:
• Some hospitals and healthcare providers offer financial assistance to low-income individuals or those facing financial hardship.
• Inquire about their policies and apply if eligible.

5. Explore Government Assistance:
• Investigate whether you qualify for Medicaid or other state or federal assistance programs.
• These programs can help cover medical expenses if you meet their criteria.

6. Consider a Medical Debt Consolidation Loan:
• If you have multiple medical bills, consider consolidating them into a single, lower-interest loan.
• This can make it easier to manage and pay off your debt.

7. Create a Budget:
• Develop a budget that outlines your income, expenses, and how much you can allocate to paying off medical debt.
• Prioritize your debt in your budget.

8. Set Up a Payment Plan:
• Work with the healthcare provider to set up a payment plan that you can afford.
• Make consistent, on-time payments to reduce the debt.

9. Avoid Collection Agencies:
• Try to prevent your medical debt from going to a collection agency, as this can negatively impact your credit.
• Keep communication open with your healthcare provider about your situation.

10. Seek Legal Assistance:
• If you believe you are wrongly charged or are facing particularly challenging circumstances, consider seeking legal advice from a consumer attorney or a legal aid organization.

creditU

Your Ultimate Money Management App

Meet CreditU, the ultimate one-stop debt and financial management app! See your full financial overview, including debts, income, expenses, and savings.

CreditU Apple App Store
Dev Tool:

Request: debt-resources-tools/medical-debt
Matched Rewrite Rule: debt-resources-tools/([^/]+)/?$
Matched Rewrite Query: debt_resources_category=medical-debt
Loaded Template: taxonomy-debt_resources_category.php