Medical debt is something that you usually can’t properly plan for. It just isn’t possible to know when you are going to get sick or injured. This can make it financially devastating when you do have significant medical bills coming in and can’t cover them. You know that you got the treatment, but you can’t make money magically appear.
Having medical bills is one of the reasons why a person might opt to file for bankruptcy. Even though the situation might seem hopeless, filing for bankruptcy can actually help you to regain control over your finances.
Medical centers and doctors aren’t usually willing to forgive these types of debts. Some might make payment plans, but these aren’t always possible for the person who owes the debt to pay. Eventually, you might find that you aren’t able to make the payments. Your account might be turned over to a collection agency.
Collection agencies aren’t always on the up and up. Instead, some of these companies use questionable or illegal tactics to collect the debt. They might make your life very difficult with incessant phone calls and written correspondence. Filing bankruptcy comes with an automatic stay that can put an end to all of this.
We know that you don’t want to make the decision lightly. Filing for bankruptcy is a big step that you need to consider carefully. If you do decide that you are ready to take this step, we can help you to get everything in order to file and get your case filed so you are one step closer to the financial relief that you need.