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Breakingthrough

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I have no credit card debt, most of mine is hospital bills. Where is the best place to start?

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The best place to start is a ton of reading. Read everything that you can about credit. You will want to approach these medical bills with "pay for delete" offers, a "pay for delete agreement" is when you get the collection company to agree to remove the negative account from your reports in exchange for your payment, this negotiation is done prior to paying. For any paid negatives, you want to try a "goodwill letter".

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