While medical procedures can lead to a great deal of physical pain, being sued for medical debt can cause financial and emotional stresses that are considerably more painful.
If you are being hounded by creditors to repay medical debt, you may be able to escape your predicament by filing for personal bankruptcy. A single bankruptcy filing is designed to put an instant halt on certain lawsuits and collection actions as well as clear debt related to medical bills and other debt, including credit cards.
Learn more about bankruptcy’s effect on medical debt during a free case evaluation with a local bankruptcy lawyer. Get answers on whether you can stop a lawsuit and clear your medical debt.
Medical care can lead to incredibly large bills, especially if you’ve experienced a serious health issue. These bills can continue to mount until you have no realistic way of paying them. Plus, your injury or illness may have led to lost time at work and less income than normal.
When a hospital or doctor has grown impatient, they may send a bill collector after you. Bill collectors must abide by federal and state laws, and they cannot use abusive or inappropriate collection tactics.
Sometimes, a creditor may file a lawsuit against you. If an aggressive creditor has sued you for medical debt, there are a few steps you may want to take:
When you successfully file for Chapter 7 or Chapter 13 bankruptcy, you should immediately receive the benefits of the automatic stay. The automatic stay prevents most or all of your creditors from taking collection actions against you without permission from the bankruptcy court.
Thus, the automatic stay may stop:
In addition to potentially thwarting your creditors’ attempts to sue you for medical debt, personal bankruptcy may also help you eliminate your debts.
In Chapter 7 bankruptcy, you may be able to discharge some or all of your unsecured debts, which includes medical debt. Moreover, debts like credit card bills, utility bills, and payday loans may also be eliminated.
On the other hand, in Chapter 13 bankruptcy, you may be able to catch up on your debt while stopping home foreclosure, or keeping other valuable possessions, by making regular payments.
To learn more about how to respond if you’re being sued for medical debt, contact a local bankruptcy lawyer today. Don’t let debt get you down!