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Even individuals who have adequate healthcare coverage may find themselves falling short on old medical bills. Unfortunately, when these bills are left unpaid, they can often be sent to collections and wreak havoc on your score.
If you find yourself in a bind and unable to pay medical bills, try to contact the healthcare provider directly in order to set up a payment plan. Most providers will work with you on a plan that fits within your budget, in order to avoid the charges being sent to collections and damaging your credit rating.
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