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I’m a Diabetic and Medical Debt is Dragging Me Down

“Dear Steve,

I have been diabetic since the age of 5 or 6 and not able to work but get a disablity ckeck I am 34 yrs now. 20 yrs ago I was in hospital and a 20k dollar bill has turned into close to 80k dollars. Please help me what should I do???

Do You Have a Question You'd Like Help With? Contact Debt Coach Damon Day. Click here to reach Damon.

I DONT OWN ANYTHING AND LIVE FROM MONTH TO MONTH ON THE CHECK…NEED HELP SO VERY BADLY PLEASE!!”

If you have not made any payment arrangements or payments on the debt since then it is most likely the medical debt has past the statute of limitations and is time barred for them to sue you over the debt.

But it is highly unlikely that a debt that old can be properly verified. In that case you should not admit to the debt but dispute it and ask the collector to validate it. See How to Dispute and Ask a Debt Collector to Validate a Debt for more information on this process.

For the cost of a certified letter the odds are that would take care of the matter.

In addition, if you have not done so already, you should visit Benefits.gov and make sure you are receiving all the benefits you are entitled to in your situation. Every additional dollar you are qualified to receive is a dollar more to help make ends meet.

Please post your responses and follow-up messages to me on this in the comments section below.

Damon Day - Pro Debt Coach

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Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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