Starter Packs are our best answers to some big questions, and collections of favorite podcast episodes. See them all here.

Starter Pack

Help! I’m in collections for medical debt.

So, a debt collector is chasing you over a medical bill. It happens to the best of us. And as we’ve learned, you have rights when it does.
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Read these before you pay a dime

One way to get the debt collectors off your back is to pay. But hold your horses. You may not actually owe the debt they’re bugging you about. And even if technically you do, you still have rights you should know about before you agree to pay anything.

(And full disclosure: We’re not lawyers, and none of this is legal advice.)



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What NOT to do when you get a big medical bill

Don’t ignore it — at least not for too long. And don’t pay anything right away, either. Here’s why.



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You may still be able to get your bill forgiven if you're in collections

Providers sometimes jump the gun on sending you to collections — even though you still have time to apply for assistance. Here’s what to do.



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How old is that debt anyway?

There’s a statute of limitations on old debts. Depending on your situation, you might be able to run the clock on it.



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How to stare down (and maybe scare off) a bill collector

Your legal rights, and how to use them, according to experts on the Fair Debt Collection Practices Act.



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If chasing them away doesn't solve the problem, try negotiating

Yep, you can totally negotiate. Learn the right questions to ask, and what do to before you seal the deal.



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Medical debt and your credit report

Medical debt up to a certain amount isn’t supposed to show up on your credit report.



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What to do if there's a mistake on your credit report

…Like a medical debt you don’t owe, or have already paid off.

Listen: Stories from medical debt ninjas

Advice from seasoned warriors.



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Debt collectors have nothing on this 'TikTok Mom'

Meet Shaunna Burns, your new fave advice-giver, and a master at dealing with bill collectors.



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An expert lawyer's take on the TikTok mom's advice

Turns out, a lot of Shaunna’s tips check out. Featuring Jenifer Bosco, a legal expert with the National Consumer Law Center.



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Winning a two-year fight over a bogus bill

How An Arm and a Leg listener Meagan stayed motivated to make a bill she didn’t owe disappear — and the magic words that got results.

The bigger picture: We're in this together

Meet some of the incredible people taking on the messed up system that has us living in debt to stay healthy and alive — and maybe get inspired to help, too.



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“Your Money or Your Life”: Dr. Luke Messac’s book on the history of medical debt

Physician and historian Luke Messac on how medical debt became the massive problem it is today, and what he thinks people who work in health care can do to help fix it.



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One family's tragedy becomes a $1 million gift to their neighbors

A story with laughter, tears, community, softball, punk rock, and crushing medical debt.



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Changing the laws, state by state: "Wait, that was legal until now?!"

States have different protections for people with medical debt. Here’s how activists and lawmakers worked together in Maryland to get them passed.



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Our favorite listener-led project — and how you can help

The idea: create a list of reliable resources to help with medical expenses and avoid debt, and circulate it where people might find it useful, like hospital waiting rooms.

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