Need Assistance With Medical Bills? Consider Chapter 7.
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Assistance with Medical Bills

With the costs of health care climbing at a rapid rate, millions of Americans like you are seeking assistance with their medical bills. Costly hospital bills can seem to add up exponentially, affecting even the most responsible budgets.

If you need assistance taking care of your medical bills, you may want to consider filing for personal bankruptcy. Through bankruptcy, you may be able to catch up on overdue payments or discharge your medical debts altogether.

Learn more about bankruptcy by speaking with an attorney in your area. Simply fill out the case review form below and you can connect with a local bankruptcy lawyer for a free, no-obligation consultation.

Free Case Evaluation

Medical Bill Reduction Assistance

There are several different strategies you can use to reduce the burden of your medical bills. These different methods, though, have varying levels of success. Some of the methods include:

  • Negotiation. You may be able to negotiate with your healthcare provider for a longer payment plan. This, however, can be difficult, as hospital billing departments are not famous for their flexibility.
  • Lump sum payment. On occasion, a doctor or hospital will give a discount if you can pay a large sum upfront. This, of course, can be hard for people whose finances are already stretched to the limit due to a loss of income following illness or injury.
  • Filing bankruptcy. Depending on your eligibility and the type of debts you have, you may be able to discharge some or all of your medical debts through bankruptcy.

Hospital and medical debt tends to grow rapidly. Prescription drugs, physical therapy, and follow-up visits often inflate the cost of routine medical treatment.

As a result, attacking your medical bills at an early stage, before they become impossible to pay, can be a key tactic.

Bankruptcy's Effect on Medical Bills

There are two main types of personal bankruptcy, Chapter 7 and Chapter 13, and each has provided assistance for people with overwhelming medical bills.

Through a Chapter 7, which is designed for people with limited assets, you may be able to eliminate medical bills, in addition to other forms of unsecured debt such as:

  • Credit card bills
  • Utility bills
  • Payday loans
  • Some personal loans

In addition to these debts, Chapter 7 may provide a wealth of assistance with your medical bills. Chapter 7, however, is an option limited to those who meet eligibility requirements, like passing a means test.

If, on the other hand, you have a steady source of income but are still struggling with debt, Chapter thirteen bankruptcy may help cure your financial woes.

Through a Chapter 13 repayment plan, you could be able to consolidate your debts, including medical bills, into monthly payments based on what you can afford. At the end of this payment period, if you've made consistent payments on your debts, you may have significantly reduced your medical debt and the bankruptcy court may discharge your remaining unsecured debts, including medical bills.

If you're seeking assistance with medical bills, bankruptcy may be just what the doctor ordered. To learn more, connect with a local lawyer.


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