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Medical Debts


Are You Unable to Pay Your Medical Bills?

You may be able to relate – you didn’t have insurance, or didn’t have good enough insurance, and you had to pay a visit to a doctor or the E.R.  A few days later, your mailbox is full of bills from not only the hospital, but the radiologist, the laboratory, and other medical departments.  These bills can pile up faster than you thought.  All of these unpaid medical bills can be a major source of stress and frustration, especially if you are trying to recover from an illness or injury.

At Flexer Law — with offices in Nashville, Murfreesboro and Columbia — our bankruptcy lawyers help you use the tools offered by federal bankruptcy law to help you get free from medical debts.

Carefully Evaluating Your Bankruptcy Options

If you are unable to pay your medical debts, you may be getting harassing calls from debt collectors who may be threatening you with wage garnishment and other harsh consequences. Bankruptcy law may offer a way out from this overwhelming situation.

  • Chapter 7 bankruptcy may allow you to discharge your medical bills and certain other debts so that you do not have to pay them and cannot be targeted for debt collection.
  • Chapter 13 bankruptcy may allow you to repay only a small portion of your medical debts and any other debts you owe with a three- to five-year payment plan if that is all you can afford.

Insurance Won’t Pay? We May Be Able to Help.

Even if you have medical insurance, there are certain things that it may not cover. For instance, if you were a victim of a car accident caused by an uninsured driver and you do not have UIM auto insurance, you could be stuck with the full cost of your medical treatment.

Also, if you have high-deductible medical insurance, you may be liable for thousands of dollars before your insurance will kick in, and you may not be able to pay those bills on your own.

If you are unable to pay your medical debts for any reason, don’t let the bills continue to pile up! You may need to consider bankruptcy.  Contact us today to discuss your options.

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