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CreditGUARD of America

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Medical Debt Consolidation

file reading "medical bills, past due"

Healthcare costs in America have been on the rise for years, and the trend persists. Many Americans have had trouble paying their medical bills.

According to recent statistics reported by moneymunk, about 43 million Americans are living with medical debt and of those, there’ve been about 2 million bankruptcies stemming from medical debt.  

If your health insurance doesn’t cover all your expenses, your out-of-pocket costs could be substantial. When an ambulance ride or a stay in the hospital could mean thousands of dollars in medical bills, it makes sense that more and more people are looking for an answer to their medical debt problems.

CreditGUARD of America, Inc. is an independent, nonprofit credit counseling agency committed to providing proven solutions for all kinds debt problems including medical debt. CreditGUARD provides credit counseling and medical debt management along with free financial education to consumers throughout the United States, using state-of-the-art technology and superior customer service.

Understanding Medical Debt Consolidation

Whether you have $2,000 or more than $50,000 in medical bills, CreditGUARD can help you work toward getting out of debt without taking on any new debt.

CreditGUARD’s debt consolidation program is not a debt consolidation loan.

Debt consolidation loans are risky and don’t always help you achieve your goals because they do nothing to improve your financial spending habits.

Because of this, you run the risk of maxing out your credit cards again, thereby adding your new loan payments to the already heavy credit card payments and medical bills that landed you in debt in the first place.

Our Program Is A Safe Way Out Of Debt

When you enroll in our debt consolidation program, your certified credit counselor will contact all your creditors and negotiate with them on your behalf.

If possible, they’ll bring your accounts current, reduce or eliminate your interest and discontinue penalty fees. This can lower your monthly payments by up to 50 percent.

In addition to this, your certified counselor will also provide you with free financial counseling so you can learn to save money and make long-term changes to your spending habits.

During your free and confidential phone consultation, you will provide your counselor with the following :

  • Information regarding the debts you owe
  • Your household income
  • All your monthly expenses

This is so they can offer you informed and supportive counseling. After getting an idea of your financial situation, the counselor will provide options matching your resources, lifestyle, and goals.

What to Expect from Nonprofit Debt Consolidation

Here are just a few of the benefits you may qualify for in our nonprofit debt consolidation program:

  • Professional financial education and money management help from trained experts
  • No late fees
  • No legal complications
  • Lowered monthly payments
  • Mental and physical relief from your unsecured debt

Improving Your Credit

A nonprofit medical debt consolidation plan can help you better manage your credit score because you’ll be making regular, on-time payments. With the right plan, most customers may often pay off their debt within three to five years, as opposed to nearly 30 years.

How Nonprofit Debt Consolidation Works

Consolidation takes all your unsecured debts and rolls them up into a single, more affordable monthly payment, making the management and payment of all your various unsecured debts far more convenient.

Unsecured Debt vs. Secured Debt

There are different types of debt, and CreditGUARD focuses on helping you deal with one specific debt category — unsecured debt. What do we mean by unsecured debt? Any debt not attached to a particular asset is unsecured, whereas debt attached to a particular asset is known as secured. Here are some examples:

Unsecured debt

  1. Credit cards
  2. Medical bills
  3. Personal loans

Secured debt

  1. Mortgages
  2. Car loans

What Happens When You Call?

When you call, a certified credit counselor will calculate your various secured and unsecured debts and work with you to help create a personalized budget you can live with. Since the key to becoming debt-free begins with stopping the cycle that creates debt, we’ll help you learn what it means to live a life that disrupts that process.

What Happens When You Call?

When you call CreditGUARD, a certified credit counselor will calculate your various secured and unsecured debts and work with you to help create a comprehensive budget you can maintain. Since the key to becoming debt-free is staying debt-free, we’ll help you learn what it means to live a life free of debt.

Before calling in, make sure you have:

  1. Your most recent monthly credit card statement(s)
  2. Your monthly household income
  3. A list of your various monthly bills and obligations

Stop Surviving. Start Living.

If you’re ready to start living a debt free life and would like to learn more about our debt consolidation program, contact us online by filling out the form above, or call CreditGuard of America at 1-800-500-6489 for more information on our nonprofit credit counseling and debt counseling agency.

When to Call CreditGUARD for Credit Counseling

Certified Credit Counselors are available to assist you during these times:

  • Monday – Thursday 8:00 am – 10:00 pm EST, GMT-5
  • Friday 8:00 am – 9:00 pm EST, GMT-5
  • Saturday 10:00 am – 6:00 pm EST, GMT-5