First step in our debt payoff journey is negotiating medical debt. We have about $6,500 total from having my daughter including an ER visit. I also have a neurological condition that needs frequent monitoring. Healthcare is so expensive and we’re still navigating how to find something that works for us. Enrolling in a financial hardship payment plan is the first step to getting these bills reduced. Don’t forget this is an option they don’t tell you about! debtfreejourney