Understanding Medical Debt
Medical bills can feel like they came out of nowhere and multiplied overnight. One minute you’re ok, and the next, you’re drowning in debt you never saw coming. That’s where we come in. At PDS, we’re the kind of medical debt help company that actually gets it. We’re here to roll up our sleeves and help you take a breath, make a plan, and get out from under all that stress.
We Can Help with Your Medical Debt
We’ve helped thousands of people just like you find real medical debt management options without the confusing jargon or sketchy fine print. Whether you’re behind on a few bills or feel like you’re completely buried, we’ve got your back. Think of us as that friend who actually knows what to say to the collections agency—and isn’t afraid to say it.
We’ll Work With You
Medical debt assistance doesn’t have to be scary or overwhelming. We’ll help you understand your options, work with your budget, and fight to lower what you owe. And the best part? We don’t treat you like a number. We treat you like a human—because you are one, and you deserve to be heard and supported.
So if you’re looking for real-deal medical debt help that doesn’t come with judgment or pressure, you’re in the right place. PDS is here to help you move forward, one step at a time.
Ready to Talk?
You don’t have to figure it out by yourself. We are here to help you with your medical debt. If you’re ready to settle with a collection agency and want clear steps forward, we’re here to help.
Debt Resolution FAQ
At PDS Debt, we offer the following medical debt services for help with medical debt.
- Medical debt consolidation
- Medical debt collections support
- Medical debt counseling
Each and every one of these services begins with a free, personalized consultation to ensure our dedicated team can build the best and most comprehensive strategy for your unique financial needs.
Yes, medical debt does affect your credit score. Specifically, if your medical debt remains unpaid, and/or goes to a medical debt collections agency (after being unpaid for between 90-180 days), it will then be reported by the collections agency to a credit bureau, where it will remain on your credit report for seven (7) years.
Before going on a credit report, medical debt first has to be reported by a credit bureau. Typically, this is done through a collections agency, which takes control of your medical debt 90-180 days after your medical bill remains unpaid.
Upon being reported by the credit bureau, medical debt typically stays on a credit report for seven (7) years. Therefore, even if your medical debt and bills are paid soon thereafter, your credit report will still include the medical collections.
Like all debts, medical debt has a shelf life. In other words, after seven years of being on a credit report, it will no longer show. However, even after the medical debt is no longer reported, individuals are still liable for their medical debt until it is paid in full.