Free tool
Negotiate your
medical debt
Collection agencies buy medical debt for 3–7 cents on the dollar. Generate a settlement letter offering 20–40% and keep the rest in your pocket.
20–40% lump-sum settlements commonly accepted
Before you generate this letter
- ⚠ Making any payment may reset the statute of limitations in your state. Check your SOL first.
- ⚠ Never send payment until you have the collector's written agreement.
- ⚠ "Pay for delete" is not guaranteed enforceable. Some collectors agree, others do not.
Your settlement letter is ready
Review the letter below. Send it to the collection agency via certified mail or email.
BillKarma is not a law firm. This is a self-help tool, not legal advice. You are acting on your own behalf. Consult an attorney for complex situations.