Medical Debt Consolidation & Relief
Medical debt is the #1 cause of U.S. bankruptcy. We replace hospital, dental, and surgical bills with one fixed monthly payment — and stop the collections calls.
Key Benefits
- Settle balances at up to 50% off (settlement program)
- Or consolidate at 5.99–18% APR
- Stop creditor harassment
- No upfront fees
Who It's For
Anyone with $1,000+ in medical or dental debt.
How It Works
- Free hardship review
- Pick: consolidation or negotiated settlement
- We handle the paperwork
- One payment — peace of mind
Common Questions
Can you remove medical collections from my credit report?
Paid medical collections under $500 are removed automatically by the bureaus. We help dispute the rest.
Related Services
Rated 4.8/5 by 2,143 Americans
Real members. Real results.
"Cut my monthly payment by $612. Done in 48 hours."
Maria S. · Houston, TX
"Honest team. No pressure. Saved me $18,400 in interest."
James R. · Atlanta, GA
"Finally one bill. My credit went up 71 points in 4 months."
Latoya K. · Orlando, FL
"After 7 years of minimums, I have a real payoff date."
Daniel P. · Phoenix, AZ
"Approved same day. Funds the next morning. Real people."
Aisha B. · Chicago, IL
"Best decision of 2026. Wish I'd called a year sooner."
Eric L. · Charlotte, NC
Ready to lower your payment?
Free quote in 60 seconds. No credit impact.