Medical Bills and Bankruptcy

Medical Bills and Bankruptcy

Birmingham Attorneys helping discharge medical bills for clients in Vestavia Hills, Gardendale, Pelham and all of Northern Alabama

Medical bills are one of the leading causes of bankruptcy.  Especially for uninsured patients, the costs of medical care can skyrocket, depleting savings and ruining credit scores. Fortunately, medical bills are dischargeable in bankruptcy, and filing can provide much needed relief for those struggling to stay afloat due to mounting medical expenses.

When a debtor files for bankruptcy, the automatic stay works to prevent any act to collect a debt, including actions by health care providers to collect medical bills. Such creditors may not even call or send letters regarding the debt, and after liquidation and distribution in a Chapter 7 case, the medical debts are discharged and can never be collected. Under a Chapter 13 filing, the court fashions a repayment plan for the debtor to follow, for up to five years, after which the debtor receives a discharge if he complies.

If you are finding yourself unable to pay your medical expenses, and are sick of being harassed by health bill collectors, then filing for bankruptcy might be your best option. The attorneys of Parkman White, LLP can help you evaluate your options and decide the best course of action to get debt relief fast. Contact us today at 205-502-2000 for a consultation, and see what our experts can do for you.