Medical debt is a fact of life for millions of Americans, and the numbers are staggering. Roughly 20 million adults owe at least $250, while the total medical debt owed nationwide exceeds $220 billion. Fourteen million adults owe more than $1,000, and about three million carry medical debt over $10,000 [1]. Surveys show that nearly 79 million Americans have struggled with medical billing problems or are paying down medical debt [2]. And errors are common, and disputes happen frequently: Medical debt in c ...