How can i get rid of all this debt?

all together i have 28k in med bills from 2 yrs ago i just got a job working min wage so i dont make enough to pay them off and i want to


so i was reading my credit report and it said account closed idk what that means and i havnt gotin any bills in mos should i write them ask to lower the bal due what should i do i could afford about 200 a mo to pay them off but that would take yrs



Just because an account has been closed doesn't mean you don't still owe money on it - it just means you aren't charging anything more to that account.





Call the medical company that you owe the money to. Ask to speak to their billing department. Explain that you have this debt, and you would like to pay it off, but you simply don't have the resources to do so. Ask if they would be willing to "forgive" part of the debt, or only bill you for certain parts (like charging you for Xrays but not the surgery).





Also, go to your local library and check the personal finance section. There are some great books there on how to manage debt. Suze Orman, David Bach, and David Ramsey all give simple, practical, inspirational advice.




Be careful with not paying.


This will show on your reports as not paid.


You will have trouble getting a job - because employers check, and statistics show that financially responsible people make better employees, and debtors don't stay on the job and steal to pay bills.





You will pay more for car insurance.


You will have a bit of troubles getting an apartment.


You will not be able to get so much as a cell phone, unless its prepay.


No car financing, and no house for a while.


/




File for bankruptcy... Or do what I do. don't ever pay a cent if you cant pay it all back NO MATTER WHAT THEY TELL YOU!! (there is no such thing as a debtors prison, they cant put you in jail).. get used to living without a credit card, most Americans are doing just that...