Filing a personal bankrutpy to discharge medical bills under Chapter 7 or
Chapter 13 with the guidance of our attorneys may be able to provide you relief from crushing
medical debts. Medical debts are unsecured debts and are dichargable in bankruptcy. However, you do have rights before considering to file
Nicholas Newstad is quoted by Sherry Herigstad in making a very interesting comment on the need to get financial help with hospital bills when the bills are incurred. Newstad suggests that if you do not alert and inform the hospital about your financial hardship when your bill is due and owing then your account may be subsequently closed for non-payment. Generally when your account is closed it may be sold or assigned to a debt collector. According to Newstad, when this occurs you will no longer have any patient's rights with the hospital, but on the other hand you and your hospital bill will be subject to legal process.
What is legal process? Generally that would be the legal manner that debt collectors may pursue payment from you on your account. Debt collectors must follow certain laws when they seek to collect on debts such as medical bills. Even though collection efforts regulated, the debt collectors will typically pursue all available remedies against you.
As Newstad suggests it is easier to deal with the hospital than with debt collectors. If you find that you were unable to reach a deal to lower the amount of you medical bills with your hospital for reasons out of your control, know that bankruptcy is an option available for you. On one hand, Chapter 7 bankruptcy may help you discharge your medical debt entirely. On the other, Chapter 13 may help you pay back a portion of the medical debt and discharge the rest. A consultation with our bankruptcy attorneys will help you understand which chapter you may qualify to file under.
If you are struggling with medical debt please realize that you have rights beyond your hospital patient's rights. You have the benefit and protection of stopping debt collectors from collecting on medical debts by filing bankruptcy. Let our attorneys help you, either in
Houston orBeaumont, evaluate your options.