Medical Bills

Medical Debt

The cost of healthcare is rising and health care options are less than fruitful in today’s society.  It is easy to get in over your head with debt for the cost of medical care. In addition to the cost of medical treatment, many people suffer from debt related to taking time off from work or the loss of a job due to a medical condition. Medical bills have become one of the largest reasons for people filing for bankruptcy.  A Chapter 7 or Chapter 13 Bankruptcy can eliminate your medical debt or reduce it significantly.

Medical Bills and Bankruptcy

A Chapter 7 Bankruptcycan eliminate your medical debt completely. The Chapter 7 Bankruptcy will place  an automatic stay, which stops all collection efforts from creditors. Your attorney will work with creditors to arrange for a debt settlement.  Medical bills are a type of unsecured debt, meaning it was accrued without any of your property for collateral. A Chapter 7 Bankruptcy can have medical bills, hospital or doctor charges, or dental bills erased.


A Chapter 13 Bankruptcy can reorganize your medical debt and request adjustments to payment terms with the creditor. Your attorney will assist in developing a Chapter 13 plan, which outlines the payment amounts, frequency and total time allowed for repayment. After the court approves the Chapter 13 plan, creditors must allow you to follow the terms of the plan. The debtor is responsible for making the payments and satisfying the Chapter 13 plan.

Taking Back Control

Medical debt can take an emotional toll on anyone facing health issues.  Your health is important and worrying about the seemingly endless medical bills can be overwhelming. Bankruptcy can be a solution to taking back control over your financial health. Contact one of our attorneys to request information about how bankruptcy can alleviate your medical debt.