I’m thinking of those places that advertise on TV and say “this is not a loan or debt consolidation, we negotiate with your creditors”, etc. Do any of these places help people with hospital bills that have gone to a bill collector? If so, any info on these services would be very helpful.

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1. A Consumer's Guide to Coping with Medical Debt
   
Often, uninsured people are actually charged more for services than people with ... pay their medical bills all at once. These often have all the same ..... bill has already gone to collection—the collection agency to ..... The Access Project publishes studies on medical debt and other resources, available online ...




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2. Debt Collection Practices: When Hardball Tactics Go Too Far |
   
It usually means that a creditor has not received payment from you for several months. They have negotiated with another company or are using an in-house affiliate called a debt collector to attempt to get you to pay. ... In-house collectors that are affiliated with the original creditor work on behalf of the company directly.




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3. Knee Deep in Debt
   
What’s more, the costs of consolidation loans can add up. In addition to interest on the loans, you may have to pay “points,” with one point equal to one percent of the amount you borrow. Still, these loans may provide certain tax advantages that are not available with other kinds of credit.




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4. Help with medical bills
   
Dealing with the hospital, medical bills, and prescription drug costs that will always follow an illness, and trying to find a way to pay them, ... Beware of balance billing practices and scams; Also, learn how health care providers are trying to get people to pay medical bills that they are not responsible for paying,




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5. Harassing phone calls from 800-684-8429, HSBC Bank, aka Orchard Bank |
   
If you have made payment arrangements, there is no reason for them to call that much. Unless you live in the dark ages with no answering machine, then a message left should suffice. I do not believe that any collectors are interested in my comfort or well being and certainly don't care about protecting me from 3rd parties.




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6. Townhall.com::Blog
   
Politicians don’t care about rock star effects on people. They care about are you negotiating with me, what you are going to do for me, how are you going to get it ... It happened because I could negotiate with people, and I could work with them to get it done. John McCain can do that. Remember, when he went to Washington,




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7. Coping with Medical Bills and Debt
   
Understanding your Medical Bills: ... Be aware, though, that some services charge high fees and do nothing to really help reduce your debt. Make sure you are working with a credit counseling service (also known as an adjustment service agency) that is licensed by the Wisconsin Department of Financial Institutions.




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8. What Debt Reduction Services Are Available?: Paying off Debt with a
   
There are several debt reduction services that are designed to reduce the amount owed on loans, medical bills and credit cards. Many Americans spend vastly more than they earn. ... Find out what debt reduction services are available to help with financial difficulties.




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9. SixWaysToReduceMedicalDebtInMA.indd
   
Out-of-pocket costs that people incur when they get sick--deductibles, co-insurance, co-payments, and bills for uncovered services--are not included in affordability calculations. Out-of-pocket costs can leave people with medical debt and also act as a deterrent for who need to seek medical services.




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10. Myths and Facts About Marijuana
    
Fact: Marijuana has been shown to be effective in reducing the nausea induced by cancer chemotherapy, stimulating appetite in AIDS patients, and reducing intraocular pressure in people with glaucoma. There is also appreciable evidence that marijuana reduces muscle spasticity in patients with neurological disorders.




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