I received a summons to appear for a hospital debt. What are my options? I’m unemployed with zero income. What should I do? I don’t own a home. Have a huge car payment and the cost of living to try and afford.
Bankruptcy Can Eliminate Medical Debt & Hospital Bills
Anytime you have been sued, the creditor is coming after your paycheck or your bank account. You need to talk to an experienced bankruptcy lawyer to find out how bankruptcy may be able to help.
When you file for bankruptcy, you are able to get your medical debt discharged (wiped out). This can include bills for your treatments, medication, surgeries, and other related expenses from your illness.
Under Chapter 7, your unsecured debts like medical debts will be eliminated without needing to repay it back. If you do not qualify for Chapter 7, Chapter 13 allows you to repay a portion of the debt.
Which Chapter Should I File and When?
Even though you don’t have a paycheck right now, you are probably taking action to get a job soon. Both types of consumer bankruptcy, Chapter 7 and Chapter 13, will stop a lawsuit and kill the underlying debt. It is best if you can take action before a judgment is granted.
Your attorney can review your financial situation to help you determine if you are eligible for Chapter 7, or if you should file for Chapter 13 instead.
What If I Have Additional Medical Bills in the Near Future?
If your illness has not been resolved and you anticipate that you will need additional treatment, it might be wise to wait until your condition has been fully treated so that all of your bills can be included in the bankruptcy. If you file for bankruptcy and then rack up additional debts, you will need to find some way to deal with the debt or wait several years before filing for bankruptcy again.
Call to Request a Free First Consultation
The first visit to talk with a lawyer at our law firm is free. We understand that dealing with hospital debt can be stressful, and we can help you explore your bankruptcy options at no cost. Learn more about the types of bankruptcy available, your eligibility, and how to get started.
Schedule a consultation today with an attorney.