Debts to Pay
|
July
7, 2016
|
Doctor Bill C
|
231.20
|
Doctor Bill D
|
2,309.64
|
Student Loan D
|
2,776.23
|
Student Loan B
|
2,798.68
|
Student Loan F
|
2,998.40
|
Student Loan A
|
3,517.61
|
Student Loan C
|
4,495.04
|
Student Loan PX
|
7,861.52
|
Student Loan G
|
8,179.55
|
Student Loan E
|
8,320.70
|
Car Loan
|
13,215.71
|
Mortgage
|
52,099.43
|
Total
|
108,803.71
|
*Current chart shows adjustments for interest, pay downs, and pay offs.*
Let’s talk about negotiating bills today. As you can see from the chart above, I owe a lot for doctor bills. However, I am pleased to say that I managed to negotiate a lesser amount on Doctor Bill B! How did I do that, you ask? All it took was a simple phone call to the company that is handling this particular bill. Now keep in mind that my insurance has already been processed for this bill, so it was at its “lowest” already. But I have found that when it comes to bills like these, a lot of times if you are able to pay a full amount, many companies will give you an additional percentage off. This is something I have done in several instances, especially in regards to hospital bills. Today, I was given an additional 15% off my total, making my payment for Doctor Bill B just $174.09! To some, that may not seem like much; just over $30. But to me, it’s huge. To someone who is scrapping pennies together to pay off debts, it adds up quick. I am beyond thrilled to pay $30 less on a bill that I will be done with forever! It never hurts to ask, you guys! If you have doctor’s bills, ALWAYS ask about discounts for paying in full. Even if there isn’t a discount, it doesn’t hurt to ask. Especially if you let the company know that you are on a tight budget. Often those can be the magic words to settling a debt!
--chloe.
