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BlogBlogUnpaid Medical Bills Got You Down? Make Them Go Away

Unpaid Medical Bills Got You Down? Make Them Go Away

Medical BillsWhen unexpected medical bills pop up, most people panic. You may be wondering how you’re ever going to get on top of that huge bill from the emergency room or your doctor. Believe it or not, you have a lot of options. The worst thing you can do is not visit a doctor when you really need one. You should never let the fear of a high bill keep you from getting medical attention that you need. It can truly become a life or death situation.

If you have a high medical bill that you aren’t able to pay, ask to speak with a Patient Advocate. This is a great option if you have unexpected medical bills from a hospital. Just about every hospital a Patient Advocate on staff. The best part is that these people are there specifically to help patients. They act as the middleman between the patient and the hospital – including the billing department – and often are able to do more for you than you would be able to do alone.

Never, ever pay a medical bill without reviewing it first. You’d be shocked at how often medical bills have mistakes on them. So many times patients just blindly pay the bill because they assume everything is accurate. When you’re expecting a high bill, you may not immediately realize when extra charges are there that shouldn’t be. Thoroughly go through your bill, no matter how high or low it is, before you make even one payment.

If you’ve ignored your medical bills and you’re being inundated with calls from bill collectors, the worst thing you can do is ignore the ringing phone and delete your voicemail messages. Bill collectors realize that you’re probably not going to pay the entire bill on-the-spot. Many times, the bill collector will work with you to figure out a payment schedule you can realistically stick to. Also, many collectors will lower the overall bill if you’re willing to pay a large portion upfront.

There’s a negative stigma associated with local and state assistance programs, but there shouldn’t be. If you’re genuinely having difficulties getting on top of your medical expenses, contact one of these assistance programs. They’re in place to help you and there’s no shame in asking for that help.

Remember that every single medical bill, whether it’s from a specialty doctor, your primary doctor or even a hospital, is negotiable. If you keep this fact in mind, it becomes easier to work on paying off your medical debt. The more willing you are to negotiate, especially when it comes to paying your bills with cash, the more cooperative you’ll find collectors and medical professionals to be. If you don’t have cash on hand to help pay your medical bills, one of the best ways to consider taking out an auto title loan.  These loans are perfect for short term needs like paying an overdue bill, and because there is no credit check, you get the cash you need quicker than any other type of loan.

For more information about getting help with medical bills or auto title loans, contact Embassy Loans today.



Embassy Loans is a leading provider of auto title loans since 2005

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Embassy Loans Inc. is licensed under the “Florida Consumer Finance Act” and as such Embassy Loans is exempt from any licensing requirements under the “Florida Title Loan Act” to the extent that any of Embassy Loans’ activities involve the making of a loan of money to a consumer secured by bailment of a certificate of title to a motor vehicle.

Monthly Interest Rates range from 1.5% to 2.5% (18% to 30% APR), with 15-18 Month Terms.

No Prepayment Penalties!

Embassy Loans uses “Title Loans” for advertisement purposes only and provides auto equity loans. Embassy Loans Inc. is licensed under the “Florida Consumer Finance Act” under Florida Statute 516 and as such Embassy Loans is exempt from any licensing requirements under the “Florida Title Loan Act” to the extent that any of Embassy Loans’ activities involve the making of a loan of money to a consumer secured by bailment of a certificate of title to a motor vehicle.

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Frequently Asked Questions

What is an Auto Equity Loan?

An auto equity loan, sometimes known as a car title loan or a car equity loan, is a type of loan that allows you to borrow money by using your vehicle as collateral. The loan is secured by your vehicle, meaning you agree to use the equity in your car to back the loan. 

What is an Unsecured Personal Loan

An unsecured personal loan is a loan that does not require collateral. Funds are provided based on your credit worthiness and your ability to repay. 

What Is the Credit Builder Program

The credit builder program is designed to help individuals establish or improve their credit score with the primary purpose of building a positive credit history through regular payments.

Can i have more than one Loan at a time?

Embassy Loans can only extend one loan at a time and it’s advisable to start with one and focus on making payments in a timely manner to prevent default.

What happens if I miss a payment?

Missing a payment can have negative consequences, including late fees, a drop in your credit score, and potential default on the loan. Consistent, on-time payments are crucial to benefit from the program.