When you need medical care, you might not think about the financial aspect of that care. Instead, you might be focused on just getting the help that you need. The monetary aspect may not hit you until the bills start rolling in. At that point, you might realize that you are in more debt than you can handle. We understand that this is a distressing situation for you. We are here to help you find a way to handle this debt.
You might not realize it, but medical debt is one of the top reasons for people to file bankruptcy. We don’t want you to feel ashamed that you are considering this option. You didn’t choose to get sick, but you did. In many cases, filing for bankruptcy can help you regain control of your finances so you can move forward with your life.
You might be shocked to know that even people who have medical insurance can be overwhelmed with medical debt. Co-payments, deductibles and uninsured medical expenses can all cause problems with your finances. In some cases, you will have to pick and choose what bills are going to get paid, which is a difficult situation for anyone.
When you decide that you can’t live with the medical debt any longer, we can help you to determine which type of bankruptcy is the one for your case. Typically, individuals and couples will either file for Chapter 7 or 13 protection. The differences between these are considerable so we need to evaluate your case and discuss the possibilities with you.