Bankruptcy and Medical Bills
Relief from Medical Debt, California Bankruptcy Lawyers
Because of the high cost of medical care and treatment, medical debt is the number one cause of bankruptcy in the United States. Nearly one third of all bankruptcies filed are the result of medical bills. Even people with health insurance end up saddled with debts that they cannot pay and could not possibly have avoided.
The Ercolani Law Group can help you eliminate or significantly reduce your medical debts through Chapter 7 or Chapter 13 bankruptcy. If you decide to file, we will navigate the process on your behalf and make sure that you are getting every protection afforded to you by the U.S. Bankruptcy Code.
Medical Bills and Bankruptcy?
If you are struggling to pay medical bills after surgery, or an extended hospital stay, you will probably find yourself facing some of the most assertive bill collectors in the industry. Many of our clients run into trouble because they have to try to juggle multiple bills from multiple health care providers — even if all the bills are related to the same surgery or procedure.
If you do not comply with the medical creditor’s payment demands, you will face extreme creditor harassment. The medical bill debt collectors may call you at home and at work. They may call your family to find out where you are living and working. If you fail to make payments on the debt, then you may be sued for the debt and face wage garnishments of up to 25 percent of your wages.
Getting Rid of Medical Bill Related Debt
While some debts cannot be discharged through bankruptcy, medical bills can be discharged. If you file for Chapter 7 Bankruptcy, your medical bills will be discharged. If you file for Chapter 13 Bankruptcy, you will have three to five years to pay back what you can afford. At the end of this time, your remaining medical bills will be discharged.
You may also want to consider alternatives to bankruptcy, as creditors, banks, and hospitals are often willing to work with people who have been put into a difficult situation with medical bills. Our attorneys will answer any questions you have and help you come up with the best solution.
Contact Us for Help – It Starts with a Free Consultation
If you have significant medical debt and have doubts about being able to pay it back, you should speak with an experienced bankruptcy lawyer to help you decide what to do next. For a free consultation with a lawyer at the Ercolani Law Group, call 805-338-6880 or contact us online.