When the timing is right you choose to go out and buy a home or vehicle, but medical situations are likely a surprise, not something that you were planning on. These issues can be hard to bounce back from physically and financially. Unanticipated financial situations can be overwhelming and leave you feeling helpless.  You might try use a credit card to attempt to keep a creditor off your back, however this may not be your best course of action. Using a credit card to reduce your debt, may just increase it in the long run due interest rates and fees. How will you get ahead? Our attorneys have helped tens of thousands of clients get relief from medical debt, gain financial freedom and a fresh start in life.