Dealing with Medical Bills After an Accident or Illness
For people in Texas and across the United States, medical bills and healthcare expenses have become one of the main reasons for bankruptcy, in addition to credit card debt. Whether the medical bills have come from a sudden injury or illness, or they have accumulated over time, paying off these bills can be difficult and can make it more difficult to pay for other expenses.
Collection agencies that are hired by hospitals, clinics and insurance companies can cause you additional stress by calling you at all times of the day and by sending you letters reminding you of what you owe. The financial and emotional problems caused by medical bills can make it difficult to see a way out.
Fortunately, Chapter 7 bankruptcy has helped many people discharge medical bills in a simple and quick manner. If you are thinking about filing for bankruptcy because of medical bills, you need to understand your options by talking with an experienced attorney. At my firm, I, Charles R. Nettles, can provide the honest advice and experienced representation you need.
Your Options for Discharging Medical Bills and Healthcare Debts
Under Chapter 7 bankruptcy protection, past due medical bills and other healthcare debts are generally considered unsecured debts and are dischargeable. Through Chapter 7 bankruptcy, people in debt are entirely relieved of their obligations to repay medical debts, unlike other forms of bankruptcy or debt consolidation.
Additionally, collections law in Texas and the U.S. states that an "automatic stay" is created whenever anyone files for consumer bankruptcy protection. This will stop any phone calls, letters and other collection activities and make creditors who continue to contact you subject to penalties under the law.
It is important to know what bills can and cannot be discharged, what can be paid by insurance and what your options are for discharging or repaying medical bills. If Chapter 7 bankruptcy is the right option for you, I will help you through the process. If there is another option that is better for your situation, I will provide the resources to help you take advantage of those options.
Speak With a Lawyer Today About Your Medical Debts
If you are dealing with overwhelming amounts of medical debt and healthcare expenses—or other forms of unsecured debt—contact my firm in Austin to learn more about your options and my bankruptcy practice in Central Texas. Schedule a free consultation by sending me an e-mail or by calling me at 512-443-5545 (toll free at 800-460-5555).
I am a Board Certified Bankruptcy Attorney assisting Individuals and Small Businesses File Bankruptcy.
