Fitzgerald & Campbell Fitzgerald & Campbell

In 2022, we eliminated over $15 million of client debt!

(This does not include debt eliminated by bankruptcy filings)

Santa Ana Medical Debt Attorneys

Serving Clients Across the State of California

Given the amount of medical debt that can be accumulated, and how quickly, anyone can be financially wiped out by medical debt virtually overnight. It does not matter how much money you have. For those with little or no resources, bankruptcy is a simple and effective way to get a fresh start. But what about the consumer who has been able to accumulate some wealth, such as a house or other assets? Should they be forced into bankruptcy or pay huge bills that are incomprehensible?

They may not even be able to file bankruptcy! What are they to do?

No One is Immune to Medical Debt

Have you ever been able to figure out your medical bill? If so, you are among the very few, and you are probably wrong. There is nothing wrong with insisting a medical provider properly establish what is due. Why are you charged a different amount than insurance companies? Were you told what the charges were going to be? Were you shocked at the charges?

The time has come for consumers to not blindly accept what the medical industrial complex says you owe!

Fitzgerald & Campbell aggressively asserts all defenses available to you, including statutes of limitations, lack of proof, and others. We will also assert all consumer protection laws, such as collection harassment violations.

Featured Case Results

  • February 12, 2021: A judgment against our client in the amount of $23,038 was settled for $6,900, saving our client over 70%! (Western Medical Center Trauma v. Client. Case #30-2014-007622XX-CL-CO-CJC Orange County)
  • October 27, 2020: $66,267; Centre for Neuro Skills; Settled for $20,000, saving our client over 69% of the debt!
  • July 31, 2020: $17,648; Oasis Surgery Center; Settled for $4,000, saving our client over 77% of the debt!
  • A claim by Mercy Medical Center Redding for $293,881.73 was settled for $58,776.35 in payments.

See more results here.

I Have Unpaid Medical Bills. I Can’t File Bankruptcy. What Do I Do?

FIRST, do not assume the amount you are billed is correct.

SECOND, do not assume you must pay the amount billed.

THIRD, do not assume your insurance company has paid the correct amount.

FOURTH, contest all amounts alleged to be due.

FIFTH, negotiate a payment on the total amount only after you are satisfied that the amount is correct.

SIXTH, make sure any settlement agreement is in writing and resolves all amounts due to the provider.

SEVENTH, retain Fitzgerald & Campbell to assist you if you need help. For very low fees, we will:

  • Notify both the medical provider and insurer that we represent you on the account and that all future communications about amounts due must be sent to us
  • Require both the medical provider and insurer to establish the amount billed, its basis, and the basis for amounts paid or unpaid
  • Review these responses for accuracy
  • Contest all unverified amounts
  • Negotiate the amount due, including any hardships you may have
  • Settle the amounts, as requested by you, using legally binding release agreements

Suggested Reading:

To schedule a free consultation, send us a message or call (844) 431-3851 today.

We Fight for  Your Victory Over Debt

For us, every case is personal. We encourage our clients to share their stories.


  1. How much Money is needed for a Successful Debt Settlement Plan? In total? Per month?
  2. How Long does a Debt Settlement Plan take?
  3. How much Can I Really Save?

Fitzgerald & Campbell Is Here To Help Get Your Estimate Now

  • Please enter your Full Name.
  • Please enter your phone number.
    This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please enter your Debt Amount.