Medical bills are piling up for millions of Americans right now, and the outcome can have a big impact on your finances. Jackyenjoyphotography/Getty Images

Medical debt has become a serious issue nationwide, despite recent changes to credit reporting rules that have removed medical collections in amounts under $500 from consumer credit reports. As health care prices continue to climb and more Americans struggle with their out-of-pocket costs, the medical debt issues are compounding. Insurers are also shifting more costs to patients , and, as a result, even a single hospital visit can result in trying to juggle medical payments that you can't easily keep up with.

That debt-related stress often intensifies, though, once the unpaid medical bills begin to age. First come the noti

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