A sudden illness or injury can take you away from work for months or longer. Without an income to support yourself and your family, it can be difficult to manage day-to-day finances, let alone deal with accumulating medical bills for uncovered medical expenses. If you are facing debt problems due to a recent illness or injury, you are not alone. In fact, excessive medical bills debt is one of the leading causes for individuals to file for bankruptcy.
You can reduce or eliminate your medical bills debt with the help of Houston lawyer Liza A. Greene. Attorney Greene is Board Certified in Consumer Bankruptcy Law by the Texas Board of Legal Specialization.* She has comprehensive knowledge of bankruptcy laws and knows how to advise clients of the most effective debt relief solutions, including non-bankruptcy strategies when appropriate.
Helping You Deal With Unsecured Debt
Medical bills debt is classified as unsecured debt — meaning that there is not any collateral securing the debt. Chapter 7 bankruptcy is a debt relief option that enables debtors to discharge (wipe out) a significant amount of unsecured debt, including medical bills. Although many people associate Chapter 7 with discharging credit card debt, individuals with enough medical bills may not even need other types of debt to be eligible for Chapter 7 bankruptcy.
Chapter 7 bankruptcy effectively stops creditor harassment, delays foreclosures, repossessions or lawsuits, stops wage garnishments and puts a halt to any other collection efforts. Chapter 7 bankruptcy can discharge all liability for:
- Hospital expenses
- Outpatient expenses
- Doctor visit expenses
- Surgical treatment expenses
- Physical therapy and occupational therapy expenses
- Counseling expenses
- Prescription bills
- All other accrued medical debt
Contrary to what many people believe, under federal law, medical providers cannot treat you any differently if you have discharged medical debt in bankruptcy. The Bankruptcy Code provides specific protections to ensure debtors still receive appropriate medical care, regardless of how medical debt is handled.
Is Chapter 7 Bankruptcy Right For Me?
In some cases, Chapter 7 bankruptcy may not be the most appropriate debt relief strategy — especially for debtors who have a significant amount of non-dischargeable debt or who have a considerable amount of property that cannot be exempted (set aside from being liquidated).
In these situations, or in situations where a debtor is ineligible for Chapter 7 bankruptcy, Chapter 13 bankruptcy may be an option. Chapter 13 consolidates debt into a manageable repayment plan and enables debtors in some cases to reduce the amount of unsecured debt.
Depending on your situation, Liza Greene may recommend an alternative to bankruptcy, such as negotiating medical bills debt.
Contact An Attorney To Discuss Your Medical Bills
Discuss your medical debt concerns with an attorney who is professional, approachable, responsive, efficient and effective. Contact Houston bankruptcy attorney Liza A. Greene today. Call her now at 713-574-7952.