Knowing your options for settling a medical debt lawsuit can save you a lot of money and some major headaches. Cristinairanzo/Getty Images

Getting served with a lawsuit over unpaid medical bills can be both frustrating and scary, especially when you're already dealing with the aftermath of an illness or injury. It's a real issue millions of people are at risk of, though, as medical debt remains one of the most common reasons for debt collection lawsuits being filed. Roughly 20% of Americans have medical debt in collections , according to 2023 data and healthcare providers and collection agencies file thousands of lawsuits each year to recoup these debts.

But as common as these lawsuits are, the stakes are real. If a creditor wins a judgment against you, either by default or other

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