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what if your debt is not only credit card debt but medical bill debt as well?

Yes, medical bill debt is OK to include in calculations of your total unsecured debts. Unsecured debts are ones that where you did not borrow money (take a loan) to make a purchase like a home or a car. Those are secured because the company who loaned you the money has the right to take back your car or house if you do not repay them, thus they are called secured debts.

Medical bill debt is unsecured (like credit card bills) and they can be negotiated down and often are given the extremely high costs of healthcare especially when someone falls very ill with little or no health insurance. A reliable debt settlement company can assist you with trying to reduce your medical bills that are too large to pay.