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Most people don't expect to end up with medical debt after an illness, injury, or hospital stay. But even with health insurance, out-of-pocket expenses like deductibles, co-pays, and uncovered services can quickly add up, making medical debt an increasingly common financial burden.  If you've struggled to pay medical bills, you...

The three letters everyone dreads seeing in their mailbox—I, R, and S. An envelope from the Internal Revenue Service usually means one thing: TAX PROBLEMS. Maybe you underpaid your taxes for several years. Perhaps you never even filed a return or two. However the tax debt arose, you now owe...

Let's face it - being sued by a debt collector is scary. The legal documents arrive, your heart starts racing, and your mind fills with questions. How did this happen? What do I do now? Can they really force me to pay? I'm here to help you take a deep...

Let's face it - no one enjoys getting collection letters in the mail. That envelope with the window that allows you to see the ominous letter inside is enough to make your heart sink. The first instinct is often to pretend it doesn't exist and toss it straight into the...