No matter how bad one's financial situation may be, this guide provides the knowledge to help readers or their loved ones work out of it, especially when burdened by anxiety-causing medical bills. It teaches easy, effective strategies for working with insurance companies, hospitals, doctors, and other healthcare providers and presents useful lessons such as how process problems cause claims to be denied, how to demonstrate financial hardship, and how to talk productively to billers and collectors. The information here is aimed to benefit insured patients who are experiencing payment difficulty, uninsured patients who are unemployed or cannot afford health insurance, patients and families who have survived catastrophic medical episodes, and patients with chronic diseases.