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In some cases, yes. Providers may forgive debts through charity care, or debts may be discharged in bankruptcy. Some states also have programs to relieve medical debt for low-income residents.
Get a full financial picture. Gather all your statements and list every debt—credit cards, student loans, car loans, etc. For each, note the total balance, interest rate (APR), and minimum monthly payment. You can't make a plan until you know exactly what you're dealing with.
This strategy involves making minimum payments on all debts but putting any extra money toward the smallest debt balance first. The psychological win of paying off an entire debt quickly provides motivation to continue.
Federal law limits garnishment to the lesser of 25% of your disposable earnings (after taxes) or the amount by which your weekly income exceeds 30 times the federal minimum wage. Some debts, like child support or taxes, may allow higher limits.
