Spokane Valley Discharge of Medical Bills Attorney
Medical emergencies by nature cause a great deal of distress. This is compounded when you receive a bill for medical services that you simply cannot afford. Contrary to popular thought, you can get medical bills discharged by filing for bankruptcy. The law office of Brent Sorenson & Associates can help explain your options.
Nobody plans on having medical emergencies. If you are uninsured, the amount you owe may run well into the hundreds of thousands of dollars. You should feel no shame in filing for bankruptcy if you suddenly find yourself billed for medical services you cannot afford.
If you are finding it difficult or impossible to pay a medical bill, contact a Spokane Valley discharge of medical bills attorney or call us at 509-590-4627 for a free initial consultation.
Chapter 7 and Chapter 13 Discharge of Medical Bills
Medical bills can be discharged through either Chapter 7 or Chapter 13 bankruptcy; however, there are some key distinctions between the two that should be highlighted.
Chapter 13 bankruptcy involves the creation of an affordable repayment plan that will last for a set number of years. At the end of the repayment plan period, all outstanding debts that were part of the bankruptcy plan will be forgiven. In Chapter 7 bankruptcy, all debts are discharged after bankruptcy has been filed.
If you file for Chapter 7, you are barred from filing for bankruptcy again for eight years. What this means is if you have another medical emergency within that eight years, you will be responsible for paying your bill and may be subject to creditor harassment and wage garnishment.
Chapter 13 bankruptcy offers more flexibility for sudden medical emergencies. Your Chapter 13 plan may be modified to allow you more time to pay your bills at a set affordable rate and will prevent creditor harassment. In either case, an experienced Washington lawyer will be able to review your situation and let you know what the best options are for moving your life forward.
Call for Free Initial Consultation With a Tri-Cities Unpaid Hospital Debts Lawyer
It is entirely understandable to put your health concerns before your financial concerns. If you find yourself with a medical bill that you cannot afford, contact a Tri-Cities unpaid hospital debts lawyer or call us at 509-590-4627 for a free initial consultation.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
