The credit crisis has exposed millions of Americans looking to get out of a most unexpected threat - Medical Debt. But in general you can use your own medical debt. If you require a different type of tasks and goals. Look out" to get back on some Intel serious debt settlement.

There are four parties on the battlefield by medical debts.

1. The first party (in this case the "Medical Provider ')
2. The second party (the person to the doctor or their parent / guardian).
3. The Third Party Debt Collector (A Junk Debt Buyer).
4. The Big Three credit reporting bureaus (Equifax, Experian and Trans Union).

Medical bills to a consumer credit report after three things occur.

1. Generally, 180 days after the payment is not received, the first party, "writes-off the medical bill.
2. After a depreciation of the Medical Bill or sold to any third party debt collector.
3. After receiving the bill for the medical debt, the third-party debt collector attempting to collect.

One of the third parties most common tactic is for the Big Three credit bureaus (Equifax, Experian and Trans Union) of the debt.
Another problem is that medical debt is easy to verify, but hard for the second party, or a Debt Settlement Company to confirm.

Due to the very real threat to medical debt mission to accelerate the debt. Medical bills are harder to settle because they are "debt service".
In the eyes of the 1st Party Service Provider and the 3rd Party Debt Collector Debt Service are gold. Debt settlement companies also have difficulties in billing Medical debt for their clients. Why is this so?

The answer is without knowing the exact "data service" provided by the medical provider, it is difficult for consumers, "" confirm "the debt, which is easier for the first party service provider, third party debt collector and the Big 3 credit bureaus to "confirm" account.

In my experience, are the first step to resolving a debt service is the data of the service to the account of the writing. In this way, the second party can consumers tell whether the third party debt collector has an honest mistake or deliberately misleading information on your credit reports for the account.

If the second participant in a medical debt collection situation, your mission is to find the "Dates of Service" for the settlement of the question. Your goal is to contact the first party vendor solutions, to data from the service.

How does a search of the data service? Reply to the first party (doctors office, hospital, etc.) and ask them to send the data to the service for the account. To do this follow these steps;

1.Call the service provider and ask for the accounts receivable department.
2. Save the names of the accounts receivable manager.
3. Send a Letter of Debtor Inquiry specifically to the following:
A. The account number for the debt that the medical providers to blame.
B. The amount of debt to pay out on the transfer or sale to third parties.
C. Dates of Service.

For best results, send the letter to the Medical Service Provider of Certified E-mail with a receipt requested. In most cases 30 days after completion of the steps above, all information contained in your letter of inquiry. But if not, with the Medical Service Provider.

The data of the service you get with the Intel help neutralize the risk of serious harm Medical Debt your credit report.

Jerome Ford is a former Legal Assistant in a Bankruptcy Prevention Law Firm, Debt Settlement Specialist and Consumer Advocate. "" J "is the founder of the THEWARONDEBT.NET a non-profit blog that Debt Settlement Intelligence.