Make Friends and Get a Social Life Free Essays

A genuinely normal social issue individuals have is that they’re not certain how to make companions and set up a public activity for themselves. There are many ways somebody can wind up in this circumstance: They’ve moved to another city and don’t know a lot of individuals yet. They’ve been in a drawn out relationship and have let their public activity wilt. We will compose a custom article test on Make Friends and Get a Social Life or on the other hand any comparable theme just for you Request Now Their old companions have gradually been dropping good and gone (moving endlessly, occupied with work or another family, and so forth ) and haven’t been supplanted by new ones. An enormous piece of their group of friends vanished for the time being, similar to everybody moved on from college and a large portion of their companions moved out of the city. They have an inclination that they’ve become separated from their present companions and need to make altogether new ones. In the past they were cheerful being separated from everyone else a great deal of the time, however now they need to associate with individuals all the more frequently. They never truly realized how to make companions and have consistently wished their public activities were better. They’ve as of late made a major way of life change, for example, choosing not to drink any longer, and need to build up another group of friends that’s progressively fit to it. The following are my musings on the most proficient method to make companions. I’ll spread a fundamental structure first, at that point go into certain mentalities and standards towards the entire thing that I believe are significant. I’ve saw individuals who are as of now great at making companions normally will in general do the majority of the things I plot beneath without considering it. Stripped down guide on the most proficient method to make companions Here are the fundamental strides to making companions. It appears to be shortsighted, however there can be a ton to each point. Individuals who battle with their public activities regularly unearth at least one of them also. 1. Locate some possible companions To make companions you initially need to locate some potential applicants. There are two fundamental approaches to do this: Draw on your present contacts This won’t apply to individuals who have recently moved to another territory and don’t know anybody, however frequently you’ll as of now have the seeds of a public activity around you. You don’t essentially need to go out and meet ten aliens to have one. It’s frequently simpler to transform existing contacts into undeniable companions than it is to meet new ones. There are likely a bunch of individuals you definitely realize who could wind up turning out to be a piece of another group of friends. I’m discussing individuals like: Acquaintances you’re agreeable with when you run into one another, however who you never observe something else. Individuals at work or in your classes who you coexist with. Companions of individuals you know who you’ve coexisted with previously. Somebody who has demonstrated an enthusiasm for being your companion yet you never truly took up the offer. Individuals you once in a while spend time with, who you could see all the more regularly. Companions you’ve bit by bit lost contact with who you could call up once more. For certain individuals, cousins who are near your age. Meet some new individuals Getting increasingly out of your present connections can go far, yet it doesn’t consistently work. Now and then you’re at a point where you have to meet totally new individuals. Not having simple access to potential new companions is a major boundary for some individuals in making a group of friends. I really expound here: How To Meet People. In general, I’d direct the most effortless sentiments toward do are: Being in a circumstance where heaps of potential companions are near, and you normally need to become more acquainted with them as the day progressed to-day cooperations. Work and school are the two major ones. Meeting a couple of good individuals and afterward becoming acquainted with every one of their companions. In the event that you spend time with fifteen individuals, you shouldn’t must have met them all independently. Being into leisure activities or networks where you’ll normally meet many individuals, ones you as of now have something regular with and an inherent movement/discussion chance to do with them. By and large, meeting new individuals may require putting forth an attempt to pull out of your everyday daily practice. On the off chance that the majority of your leisure activities are singular you may likewise need to include some more individuals situated ones to the blend. Additionally, the most effortless approach to normally meet many individuals is simply to carry on with a full, intriguing life and run into bunches of possible companions as a symptom. Once you’re in a circumstance with some forthcoming companions around, you have to start up discussions and attempt to become more acquainted with them. You won’t structure an association with everybody you communicate with, yet on the off chance that you talk to enough individuals you’ll discover you like and get along entirely well with some of them. Once you’ve done that you could state you’re now at the Friendly Acquaintance stage, or that they’re setting explicit contacts (e. g. , work â€Å"friends†). On the off chance that you experience difficulty with effectively meeting, visiting to, and becoming more acquainted with individuals, you might need to look at the site’s areas on timidity, fears, and uncertainty and on making discussion. . Welcome likely companions to accomplish something with you Once you’ve met those individuals you appear to click with, request that they hang out and accomplish something outside o f the circumstance you met them in. This is the most significant advance as far as I can tell. You can meet all the individuals you need, and they can think you’re extraordinary, however in the event that you don’t take any activities to accomplish something with them later on, at that point you won’t structure numerous new connections. Individuals will remain as the person you converse with in class, or the young lady you talk to at work in the lounge. This appears to be fundamental, however lonelier individuals regularly hit a stopping point here. There might be somebody they joke around with at work, or visit to in one of their classes, yet they won’t make the stride of welcoming them out and taking the relationship to the following level, and past the colleague stage. On the off chance that you’re on the shyer side, you may be somewhat reluctant to welcome individuals out. While it is somewhat terrifying from the start, and there is some danger of dismissal, it’s genuinely simple to become accustomed to. It’s not close to as terrible as asking somebody out on the town, for instance. Contingent upon how you met them, you may welcome somebody to hang out decently fast or hold up half a month. For instance, if a companion brings one of their mates along to have drinks with you one day, and you went through four hours together and hit it off right from the beginning, you might be absolutely open to requesting that they hang out again immediately. Then again, on the off chance that you appear to work with somebody at your particular employment, you may just have the option to have short discussions to a great extent longer than a month prior to you feel like they’d be somebody worth knowing better. In the event that you’re not certain how to request that somebody accomplish something with you, you could look at this article: Examples Of Various Ways To Invite People To Hang Out Make a propensity for getting people’s contact data It’s a smart thought to start getting people’s contact information genuinely early. You may meet somebody fascinating, however you can never accept you’re going to see them around again at any point in the near future. Request their telephone number or email address, or check whether they’re on Facebook. That way if a chance to get together comes up, they’ll be anything but difficult to reach. Likewise, in the event that they have your information, at that point they can take a few to get back some composure of you in the event that they need to welcome you to something. Have an essential handle of how to make arrangements To spend time with somebody you’ve got the opportunity to design it. Now and then the procedure is straight forward. You inquire as to whether they need accomplish something, they concur, and you set a period and spot. At different occasions attempting to make certain about an arrangement can be dreary and eccentric, particularly when more than one other individual is included. It assists with tolerating this is only a region where there’s continually going to be a measure of vulnerability, and you can’t control everything. On the off chance that intriguing individuals out and masterminding plans all appears to be a major issue, it likewise most likely feels that route for every other person now and again. They shouldn’t consistently need to step up and arrange things for you. Do a portion of the lifting yourself when you have to. More subtleties here: Advice On Making Plans With People Do your best to acknowledge each greeting obviously, making your own arrangements is significant, yet in the event that somebody requests that you hang out, at that point that’s far superior. On the off chance that somebody welcomes you to accomplish something, at that point you ought to go. Why turn down a free opportunity to get out there with individuals? When you’ve got more companions and various alternatives seeking your time you can be increasingly fussy. On the off chance that you’re all the more a timid or lone individual it’s simple to think about the greeting and support that it won’t be that fun and that you don’t need to go. Overlook those contemplations and go at any rate. You never can be certain how fun something will be until you appear and perceive how it is for yourself. Here and there you’ll need to burden yourself for your public activity. You may get welcome to a film you don’t especially need to see, or somebody may ring you on Friday evening as you’re going to hit the sack, inquiring as to whether you need to go out. At whatever point you have at least two individuals in the condition, you’re must trade off here and there. Once more, simply being out there exceeds these minor irritations. Something else to consider is that numerous individuals will quit welcoming somebody out to things on the off chance that they decay time after time. They may have nothing against the individual, yet whenever they’re arranging an occasion will think, â€Å"Paul never comes out when I ask him, so no reason for telling him this time truly. † 3. Once you’ve made some bud kinships, stay in contact, continue hanging out, and let the relationship develop It’s one thing to spend time with somebody once, or just once in a while. You could think of them as a frie

Blood Promise Chapter Twenty

The days after that resembled a fantasy. Truth be told, I genuinely can't state how long even passed. Perhaps it was one. Possibly it was a hundred. I forgot about day and night as well. My time was partitioned into Dimitri or not-Dimitri. He was my reality. At the point when he wasn't there, the minutes were misery. I'd pass them as well as can be expected, yet they appeared to delay until the end of time. The TV was my closest companion during those occasions. I'd lie on the love seat for a considerable length of time, just half after what was happening. With regards to the remainder of the suite's extravagance, I approached satellite TV, which implied we were really pulling in some American programming. A fraction of the time, however, I didn't know that it truly had any kind of effect to me if the language was Russian or English. Inna proceeded with her intermittent keeps an eye on me. She brought my suppers and did my clothing I was wearing the dresses now-and stuck around in that quiet method of hers to check whether I required whatever else. I never did-in any event not from her. I just required Dimitri. Each time she left, some removed piece of me recollected that I should do something†¦ follow her, that was it. I'd had some intend to look at the exit and utilize her as an approach to get away, correct? Presently, that arrangement not, at this point held the intrigue. It appeared to be a ton of work. And afterward, at last, Dimitri would visit, and the repetitiveness would be broken. We'd lie together on my bed, enveloped by one another's arms. We never engaged in sexual relations, yet we'd kiss and contact and lose ourselves in the marvel of one another's bodies-now and again with next to no attire. Inevitably, I thought that it was difficult to trust I'd once been apprehensive about his new appearance. Without a doubt, the eyes were somewhat stunning, yet he was still gorgeous†¦ still staggeringly provocative. Also, after we'd talked and made out for some time for quite a long time, now and again I'd let him nibble me. At that point I'd get that rush†¦ that brilliant, perfect surge of synthetic substances that lifted me from every one of my issues. Whatever questions I'd had about God's presence disappeared in those minutes in light of the fact that doubtlessly, unquestionably I was contacting God when I lost myself in that chomp. This was paradise. â€Å"Let me see your neck,† he said one day. We were lying together of course. I was my ally, and he was cuddled facing my back, one arm hung around my midsection. I turned over and brushed my hair away from where it had fallen over my neck and cleavage. The dress I wore today was a naval force bridle sundress, made of some light, tenacious material. â€Å"Already?† I inquired. He generally didn't nibble me until the finish of his visits. While part of me yearned for that and held up in expectation to feel that high once more, I did sort of appreciate these minutes heretofore. It was the point at which the endorphins in my framework were at their most reduced, so I had the option to deal with a type of discussion. We would discuss battles we'd been in or the existence he envisioned for us when I was Strigoi. Nothing excessively nostalgic except for pleasant in any case. I prepared myself for the nibble presently, curving up in expectation. Amazingly, he didn't lean down and dive into me. He ventured into his pocket and delivered an accessory. It was either white gold or platinum-I didn't have the aptitude to tell which-and had three dull blue sapphires the size of quarters. He'd presented to me a great deal of gems this week, and I swore each piece was more delightful than the last. I gazed in awe at its excellence, at the manner in which the blue stones sparkled in the light. He set the jewelry against my skin and affixed it behind my neck. Running his fingers along the jewelry's edges, he gave the thumbs up. â€Å"Beautiful.† His fingers floated to one of the dress' ties. He slid his hand underneath it, sending a rush through my skin. â€Å"It matches.† I grinned. In the days of yore, Dimitri had never gotten me endowments. He hadn't had the methods, and I hadn't needed them at any rate. Presently, I was consistently amazed by the presents he appeared to have at each visit. â€Å"Where'd you get it?† I inquired. The metal was cool against my flushed skin however not even close as cold as his fingers. He grinned guilefully. â€Å"I have my sources.† That reprimanding voice in my mind that occasionally figured out how to enter through the murkiness I lived in noticed that I was associated with a type of vampire criminal. Its admonitions were quickly crushed and sank down into my marvelous haze of presence. Ho w would I be able to be vexed when the accessory was so lovely? Something abruptly struck me as clever. â€Å"You're much the same as Abe.† â€Å"Who?† â€Å"This fellow I met. Abe Mazur. He's a horde boss†¦ he continued after me.† Dimitri solidified. â€Å"Abe Mazur was following you?† I didn't care for the dull look that had abruptly fallen over his highlights. â€Å"Yeah. So?† â€Å"Why? What did he need with you?† â€Å"I don't have the foggiest idea. He continued needing to know why I was in Russia however at long last surrendered and simply needed me to leave. I think someone from home recruited him to discover me.† â€Å"I don't need you close Abe Mazur. He's dangerous.† Dimitri was furious, and I abhorred that. After a second, that rage blurred, and he ran his fingers along my arm again, pushing the lash down further. â€Å"Of course, individuals like that won't be an issue when you awaken.† Some place, in the rear of my head, I thought about whether Dimitri had the appropriate responses I needed about Abe-about what Abe did. In any case, discussing Abe had made Dimitri disturbed, and I winced at that, hurriedly needing to switch subjects. â€Å"What have you been doing today?† I asked, dazzled at my capacity to make ordinary casual conversation. Between the endorphins and him contacting me, soundness was troublesome. â€Å"Errands for Galina. Dinner.† Supper. A casualty. I scowled. The sentiments that propelled in me weren't of shock so much as†¦ desire. â€Å"Do you drink from them†¦ for fun?† He ran his lips along my neck, teeth insulting my skin however not gnawing. I wheezed and squeezed nearer to him. â€Å"No, Roza. They're food; that's it in a nutshell. It's over rapidly. You're the just a single I take joy in.† I felt conceited fulfillment in that, and that irritating mental voice called attention to that that was an extraordinarily wiped out and wound view for me to have. I sort of trusted he would chomp me soon. That typically shut the normal voice up. I came to up and contacted his face, at that point ran my hand through that great, smooth hair that I'd generally cherished. â€Å"You continue needing to stir me†¦ yet we won't have the option to do this any longer. Strigoi don't drink from one another, do they?† â€Å"No,† he concurred. â€Å"But it'll be justified, despite all the trouble. We can accomplish such a great deal more†¦Ã¢â‚¬  He left the â€Å"so much more† to my creative mind, and a wonderful shudder went through me. The kissing and blood taking were inebriating, yet there were a few days that I wanted, well†¦ more. The recollections of the one time we'd had intercourse frequented me when we were this near one another, and I regularly yearned to do it once more. For reasons unknown, he never pushed for sex, regardless of how enthusiastic things became. I didn't know whether he was utilizing that as a draw for me to turn or if there was some incongruence between a Strigoi and a dhampir. Could the living and the dead do that? Once, I would have considered the idea of sex with one of them completely frightful. Now†¦ I simply didn't consider the complexities to such an extent. Be that as it may, despite the fact that he didn't endeavor sex, he would regularly insult me with his strokes, contacting my thighs and sternum and different risky spots. In addition, he would help me to remember what it had been similar to that one time, how stunning it had been, the manner by which our bodies had felt†¦ His discussion of such things was more insulting than loving, however. In my semi-clear minutes, I sincerely thought it was bizarre that I hadn't yet agreed to turning out to be Strigoi. The endorphin mist caused me to consent to nearly everything else he needed. I'd fallen easily into sprucing up for him, remaining in my overlaid jail, and tolerating that he took a casualty each couple days. However even in my most indistinguishable minutes, in any event, when I needed him so seriously, I was unable to consent to turning. There was some natural piece of me that would not move. More often than not, he would disregard my refusal, similar to it was a joke. Be that as it may, now and again when I declined, I'd see a flash of outrage in his eyes. Those minutes terrified me. â€Å"Here it comes,† I prodded. â€Å"The attempt to sell something. Endless life. Invulnerable. Nothing to remain in our way.† â€Å"It's not a joke,† he said. Uh oh. My sassiness had taken that hardness back to him. The longing and affection that I'd quite recently observed currently cracked into a million pieces and overwhelmed. The hands that had quite recently stroked me out of nowhere got my wrists and held me set up as he inclined down. â€Å"We can't remain like this eternity. You can't remain here forever.† Hold up, that voice said. Be cautious. That doesn't sound great. His grasp hurt, and I frequently thought about whether that was his purpose or on the off chance that he just couldn't support his brutality. At the point when he at long last discharged me, I folded my arm over his neck and attempted to kiss him. â€Å"Can't we talk about that later?† Our lips met, fire blooming among us and earnestness flowing through my body. I could tell he had a coordinating want, yet a couple of moments later, he split away. The chilly inconvenience was still all over. â€Å"Come on,† he stated, pulling ceaselessly from me. â€Å"Let's go.† He stood up, and I gazed idiotically. â€Å"Where are we going?† â€Å"Outside.† I sat up on the bed, stunned. â€Å"Out†¦ outside? But†¦ that is not permitted. We can't.† â€Å"We can do anything I want,† he snapped. He expanded his hand and helped me up. I tailed him to the entryway. He was as talented as Inna at blocking me from the keypad, not that it made a difference now. There was no chance I would ever recollect that long of a grouping any longer. The entryway clicked open, and he drove me out. I gazed in wonder, my bewildered mind stil

What to Do When You Have Too Much Medical Debt

What to Do When You Have Too Much Medical Debt What to Do When You Have Too Much Medical Debt What to Do When You Have Too Much Medical DebtIf you are suffering from crushing medical debtâ€"something that is all too commonâ€"try talking directly to your provider to get your bills under control.Recent reports that one-third of GoFundme’s campaigns are dedicated to medical expenses are a reminder that America’s medical debt problem is only getting worse. But if you’re struggling with medical debt, you certainly didn’t need any reminder. You probably can’t go more than a day or two without thinking about it.There’s lots of talk about what the future of the American medical system could look like, but whatever it is, that won’t make a difference to you if you have too much medical debt right at this moment. That’s why we spoke to the experts to find out what you should do when you’re dealing with too much medical debt (other than start a GoFundMe campaign). Talk to your provider.As is the case with many debts, talking won’t always help, but it likely won’t h urt either. Generally, anyone who is owed a debt would rather get a portion of that debt than none. Unless you’re dealing with an unbelievably spiteful collections agency, their ultimate goal isn’t too hurt you. It’s too recoup as much of the money you owe them as they’re able to. Which is why they might be more open to discussion than you might originally assume.“Call your providers,” recommended Holly Wolf, Director of Customer Engagement for SOLO Laboratories (@SOLO_labs). “Your providers have no idea of your financial situation until you tell them about it. Many will offer a sliding scale or payment plans. The key is being HONEST about what you can afford. Call for every bill and every service.”Financial Lifeguard Christine Luken (@FinLifeGrd) shared her own personal example of how reaching out to your medical provider about your financial difficulties can be worthwhile: “See if you qualify for income-based assistance. When my mother-in-law was going through he r bladder cancer treatments, she only had social security income. The hospital granted her an almost 90% reduction in her medical bills because of her low income.”Just be aware that you might have to provide some documentation to back up your case.“When someone has substantial medical debt, I recommend seeing what programs the doctor or the hospital have for helping with balances,” bankruptcy attorney Ashley F. Morgan (@AFM_Law) told us. “Sometimes the medical groups have programs for donations or will reduce your fees due to your income (or even due to really high balances). This often will require submitting income and financial statements to show a substantial hardship.The next option is often a payment plan. A medical facility may allow you to pay off debts over months or years, depending on the circumstances. If you have substantial other debts, this option may only provide minimal relief. If neither of those two options will help, then I recommend considering bankruptc y.”But as you’re probably aware, bankruptcy isn’t exactly a lucky “get out of debt free” card.File for bankruptcy.As is the case with most (but not all) kinds of debt, one way to handle your medical debt is by declaring bankruptcy. But it’s not an option that should be taken lightly.“Bankruptcy should never be your first option, but with substantial debts, it may be your best option,” advised Morgan. “A Chapter 7 bankruptcy would help you wipe away the medical debt and a Chapter 13 would allow you to restructure payments to all creditors over the course of 3 to 5 years. Chapter 13 payments are based on many factors including income and assets.“If you are considering bankruptcy and have substantial medical debt, then it is important to try and time your bankruptcy filing for after your medical treatment is stable. If you file bankruptcy and then need more medical treatments, you may find yourself in more debt and the bankruptcy was for not. This is often the most complicated factor for individuals who need on-going medical help.”But of course, the best way to handle having too much medical debt is to minimize what you rack up in the first place.Preventative medicine.While the following advice may not be very helpful for your current debt, it could help you limit additional medical debt in the future.“Be your own medical debt advocate,” suggested Wolf. “Many people shy away from revealing their situation. When my husband and I BOTH had $16K deductibles, I always said ‘Were paying out of pocket, what can we do to reduce our expense?’ Its amazing how people worked with us to find the lowest cost MRI. They offered HUGE discounts. A $1,200 procedure cost us $400 in cash just for asking. Call around and compare drug prices.”And that’s not the only question Wolf recommends asking: “Ask the questions ‘What will we learn from that test/procedure?’ ‘ Whats the worst that will happen if I dont take this medicine?’ ‘What woul d you do if you were guaranteed not to be sued?’ I know someone who got the answer ‘I wouldnt recommend chemotherapy.’ Three doctors recommended it for fear of being sued. But when the option of being sued was removed, the answer changed because they said chemo wasnt going to improve the outcome.”Finally, Wolf reminds you to: “Take personal responsibility for your health. Are you doing all the things you can to improve your health? If youve got COPD and are still smokingâ€"that doesnt make sense. Have heart issues? Are you watching your diet and getting some exercise? As a gastroenterologist told me, ‘Id lose 70 percent of my business if patients just made the lifestyle changes I recommend.’ He said maybe five percent actually make the changes.”Unfortunately, illness is part of the mortal condition, so you can’t just hope for perfect health forever. But with these tips, you can hopefully keep medical debt from taking over your life.Too much debt of any sort  can ta nk your credit score and drain your savings, leaving you with limited options in a financial emergency. This is why people end up relying on bad credit loans, which can be a fine way to go if you choose the right lender. (Hint, look for a safe, affordable installment loan.) But many other folks end up getting saddled with predatory no credit check loans like cash advances, payday loans, and title loans. Dont let debt bury your financial future. Learn more about handling your debts responsibly with these related posts and articles from OppLoans:Financial Priorities: Which Debts Should You Pay Off First?Does Medical Debt Really Go Away After Seven Years?Are Balance Transfers a Good Way to Pay Down Debt?Have you had to dig yourself out from underneath a pile of medical debt? We want to hear from you! You can find us  on  Facebook  and  Twitter.ContributorsChristine Luken (@FinLifeGrd) is a Certified Financial Coach, speaker, and author of Money is Emotional: Prevent Your Heart from Hij acking Your Wallet.  She’s an active member of the Financial Therapy Association, and the Northern Kentucky Chamber of Commerce.Ashley F. Morgan (@AFM_Law) is licensed to practice law in the Commonwealth of Virginia. She is also authorized and admitted to practice law in the United States District Court and the United States Bankruptcy Court for the Eastern District of Virginia. She has dedicated the majority of her legal career helping clients file Chapter 7, 11, and 13 in the Eastern District of Virginia. Ashley works with both individual and business debtors to find the best solution to their debt problems. She is regularly in bankruptcy court in Alexandria, VA or attending 341s with our clients.Holly Wolf is an executive with over 30 years experience in banking and healthcare.

What to Do When You Have Too Much Medical Debt

What to Do When You Have Too Much Medical Debt What to Do When You Have Too Much Medical Debt What to Do When You Have Too Much Medical DebtIf you are suffering from crushing medical debtâ€"something that is all too commonâ€"try talking directly to your provider to get your bills under control.Recent reports that one-third of GoFundme’s campaigns are dedicated to medical expenses are a reminder that America’s medical debt problem is only getting worse. But if you’re struggling with medical debt, you certainly didn’t need any reminder. You probably can’t go more than a day or two without thinking about it.There’s lots of talk about what the future of the American medical system could look like, but whatever it is, that won’t make a difference to you if you have too much medical debt right at this moment. That’s why we spoke to the experts to find out what you should do when you’re dealing with too much medical debt (other than start a GoFundMe campaign). Talk to your provider.As is the case with many debts, talking won’t always help, but it likely won’t h urt either. Generally, anyone who is owed a debt would rather get a portion of that debt than none. Unless you’re dealing with an unbelievably spiteful collections agency, their ultimate goal isn’t too hurt you. It’s too recoup as much of the money you owe them as they’re able to. Which is why they might be more open to discussion than you might originally assume.“Call your providers,” recommended Holly Wolf, Director of Customer Engagement for SOLO Laboratories (@SOLO_labs). “Your providers have no idea of your financial situation until you tell them about it. Many will offer a sliding scale or payment plans. The key is being HONEST about what you can afford. Call for every bill and every service.”Financial Lifeguard Christine Luken (@FinLifeGrd) shared her own personal example of how reaching out to your medical provider about your financial difficulties can be worthwhile: “See if you qualify for income-based assistance. When my mother-in-law was going through he r bladder cancer treatments, she only had social security income. The hospital granted her an almost 90% reduction in her medical bills because of her low income.”Just be aware that you might have to provide some documentation to back up your case.“When someone has substantial medical debt, I recommend seeing what programs the doctor or the hospital have for helping with balances,” bankruptcy attorney Ashley F. Morgan (@AFM_Law) told us. “Sometimes the medical groups have programs for donations or will reduce your fees due to your income (or even due to really high balances). This often will require submitting income and financial statements to show a substantial hardship.The next option is often a payment plan. A medical facility may allow you to pay off debts over months or years, depending on the circumstances. If you have substantial other debts, this option may only provide minimal relief. If neither of those two options will help, then I recommend considering bankruptc y.”But as you’re probably aware, bankruptcy isn’t exactly a lucky “get out of debt free” card.File for bankruptcy.As is the case with most (but not all) kinds of debt, one way to handle your medical debt is by declaring bankruptcy. But it’s not an option that should be taken lightly.“Bankruptcy should never be your first option, but with substantial debts, it may be your best option,” advised Morgan. “A Chapter 7 bankruptcy would help you wipe away the medical debt and a Chapter 13 would allow you to restructure payments to all creditors over the course of 3 to 5 years. Chapter 13 payments are based on many factors including income and assets.“If you are considering bankruptcy and have substantial medical debt, then it is important to try and time your bankruptcy filing for after your medical treatment is stable. If you file bankruptcy and then need more medical treatments, you may find yourself in more debt and the bankruptcy was for not. This is often the most complicated factor for individuals who need on-going medical help.”But of course, the best way to handle having too much medical debt is to minimize what you rack up in the first place.Preventative medicine.While the following advice may not be very helpful for your current debt, it could help you limit additional medical debt in the future.“Be your own medical debt advocate,” suggested Wolf. “Many people shy away from revealing their situation. When my husband and I BOTH had $16K deductibles, I always said ‘Were paying out of pocket, what can we do to reduce our expense?’ Its amazing how people worked with us to find the lowest cost MRI. They offered HUGE discounts. A $1,200 procedure cost us $400 in cash just for asking. Call around and compare drug prices.”And that’s not the only question Wolf recommends asking: “Ask the questions ‘What will we learn from that test/procedure?’ ‘ Whats the worst that will happen if I dont take this medicine?’ ‘What woul d you do if you were guaranteed not to be sued?’ I know someone who got the answer ‘I wouldnt recommend chemotherapy.’ Three doctors recommended it for fear of being sued. But when the option of being sued was removed, the answer changed because they said chemo wasnt going to improve the outcome.”Finally, Wolf reminds you to: “Take personal responsibility for your health. Are you doing all the things you can to improve your health? If youve got COPD and are still smokingâ€"that doesnt make sense. Have heart issues? Are you watching your diet and getting some exercise? As a gastroenterologist told me, ‘Id lose 70 percent of my business if patients just made the lifestyle changes I recommend.’ He said maybe five percent actually make the changes.”Unfortunately, illness is part of the mortal condition, so you can’t just hope for perfect health forever. But with these tips, you can hopefully keep medical debt from taking over your life.Too much debt of any sort  can ta nk your credit score and drain your savings, leaving you with limited options in a financial emergency. This is why people end up relying on bad credit loans, which can be a fine way to go if you choose the right lender. (Hint, look for a safe, affordable installment loan.) But many other folks end up getting saddled with predatory no credit check loans like cash advances, payday loans, and title loans. Dont let debt bury your financial future. Learn more about handling your debts responsibly with these related posts and articles from OppLoans:Financial Priorities: Which Debts Should You Pay Off First?Does Medical Debt Really Go Away After Seven Years?Are Balance Transfers a Good Way to Pay Down Debt?Have you had to dig yourself out from underneath a pile of medical debt? We want to hear from you! You can find us  on  Facebook  and  Twitter.ContributorsChristine Luken (@FinLifeGrd) is a Certified Financial Coach, speaker, and author of Money is Emotional: Prevent Your Heart from Hij acking Your Wallet.  She’s an active member of the Financial Therapy Association, and the Northern Kentucky Chamber of Commerce.Ashley F. Morgan (@AFM_Law) is licensed to practice law in the Commonwealth of Virginia. She is also authorized and admitted to practice law in the United States District Court and the United States Bankruptcy Court for the Eastern District of Virginia. She has dedicated the majority of her legal career helping clients file Chapter 7, 11, and 13 in the Eastern District of Virginia. Ashley works with both individual and business debtors to find the best solution to their debt problems. She is regularly in bankruptcy court in Alexandria, VA or attending 341s with our clients.Holly Wolf is an executive with over 30 years experience in banking and healthcare.