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Can Medical Debt Be Discharged In Bankruptcy?
Medical debt is financially crippling, and it is one of the leading causes of consumer financial crises in America. Medical debt is unsecured debt, and it can be discharged in either Chapter 7 or Chapter 13 bankruptcy.
When you have medical debt weighing you down, it’s difficult and likely impossible to keep up with your other obligations such as your mortgage, utility bills, vehicle loans and credit card bills. Medical expenses are inflated far beyond what the average American family can afford. Some Americans are ineligible for health insurance because of pre-existing conditions, and others simply can’t afford the high cost of health insurance.
If your health insurance doesn’t cover a substantial portion of your medical expenses or if you can’t get health insurance, hospital bills and major medical costs could put you deeply in debt and impoverished for years due to medical costs.
At Ledbetter Law Firm, LLC, we understand where you’re coming from. If you are drowning in medical debt, we can help you find relief. Bankruptcy might not be the right choice for every individual or family, but it is often the best option to get relief from crushing medical debt.
Our St. Louis bankruptcy and medical debt lawyers have helped thousands of people from eastern Missouri obtain enforceable debt relief, including clients from Jefferson County, Franklin County, St. Charles County and many surrounding counties.
Did You Know That Married Couples Have The Option For Just One Spouse To File Bankruptcy?
If the medical debt is all in one spouse’s name, or if significant credit card debt has been accumulated by one spouse only, it may be advantageous for just that spouse to file for bankruptcy. With this strategy, the other spouse’s credit will not be impacted, and discharging unsecured debt can help you obtain financial stability and the breathing room to catch up on other expenses and debts that cannot be discharged.
Call Ledbetter Law Firm | Free Initial Consultations
Schedule a meeting with an attorney who will help you begin the process, stop creditor harassment and gain financial stability with a fresh start and affordable payment plans on secured debts. Call us at 314-602-1431 or 800-704-3214 toll free, or contact us by email.
We are a debt relief agency. We help our clients file for bankruptcy relief under the Bankruptcy Code.