Medical bills can compound quickly after a serious accident or major surgery. Even with insurance, your portion of the medical bills can exceed your budget. Doctors, hospitals and laboratories are generally unsympathetic when patients are unable to pay their bills on time. Some doctors will offer to make payment arrangements but most will send overdue bills to collection agencies. Unpaid medical bills can harm your credit score and make it difficult to get new credit when you need it most.
If you are like many other people who have accumulated a lot of medical bills that you cannot pay, your other bills may be overdue as well. With several accounts in collections, you are likely getting letters and phone calls from creditors every day. The letters may be threatening lawsuits and wage garnishment while the phone calls may be unfriendly or intimidating. Filing for bankruptcy protection will make the harassment stop and allow you to explore your options without constant phones calls or threats of legal action for nonpayment.
When you hire Experienced Bankruptcy Attorneys of Jackson, MS to handle your bankruptcy filing, your creditors, including credit card companies and medical providers, will have to stop contacting you immediately. Because medical debts are consider nonpriority debts by the bankruptcy code, they can be discharged without having to be repaid by your available funds. By having your medical debts discharged, the doctors, hospitals and other providers or their collection agencies cannot bill you for those charges.
Experienced Bankruptcy Attorneys of Jackson, MS can walk clients through the bankruptcy process. To determine whether you qualify for Chapter 7, you will need to bring proof of your income and assets to your consultation with your attorney. By examining your income, assets and debts, your lawyer will be able to advise you whether filing for bankruptcy protection will be beneficial for you. Because some debts, such as family obligations and students loans, cannot be discharged in bankruptcy, you will need to make arrangements to pay those debts during and after your bankruptcy case.