In a shocking revelation, nearly 100 million Americans are grappling with the burden of medical debt, a crisis that has spiraled into the leading cause of bankruptcy in the United States. As patients continue to receive staggering bills—sometimes reaching five figures—many are left feeling helpless and overwhelmed. But experts urge: don’t panic. There are immediate steps you can take to address these insurmountable costs.

First and foremost, take a deep breath and scrutinize your bill. Medical billing errors are alarmingly common, with up to 80% of bills containing mistakes. Call your provider and request an itemized statement to uncover any discrepancies. This simple action could save you hundreds, if not thousands, of dollars. If the charges are accurate but still unaffordable, resist the urge to pay with a credit card, which can lead to crippling consumer debt. Instead, contact the hospital’s billing office to inquire about charity care and payment plans. Many nonprofit hospitals are legally required to offer financial assistance, and even if you think you don’t qualify, it’s worth asking.

In California, for instance, hospitals cannot send bills to collections for 180 days, providing you with a crucial window to negotiate and seek help. If your bill does end up in collections, remember you have rights. Request verification of the debt and know that medical debts under $500 won’t impact your credit score.

If you feel stuck, explore government programs like Medicaid or reach out to nonprofits that specialize in debt forgiveness. The system may seem daunting, but you are not alone. The most important takeaway? You are not at fault for your medical bills; the healthcare system is notoriously complex and often unforgiving. Take action, ask for help, and share your experiences to empower others facing similar challenges. The path may be challenging, but relief is possible.