Medical Bill Lawyers in California
If your family is one of the millions of American families struggling with suffocating medical bill debts, know that you are not alone in the battle. The ballooning cost of healthcare has forced countless hardworking Los Angeles families to acquire more debt than they can ever afford to pay.
At DebtStoppers, our dedicated legal team can get your family the relief it needs. Our experienced California lawyers will help you eliminate medical bill debt through bankruptcy and get a brand new start. Call or text us today at 323-916-8660 to schedule a free debt analysis with one of our qualified California medical bill attorneys.
The Collection Laws in California
When your family is buried under a mountain of healthcare bills, it can feel like there is no way out. Fortunately, the federal government created bankruptcy laws to help families like yours break free from backbreaking debts.
Through bankruptcy laws, you can get instant relief from creditor harassment. As soon as you file your petition, the court will issue an automatic stay ordering your creditors to stop any and all collection actions— even those irritating phone calls!
What are California’s Medical Bill Laws?
Bankruptcy laws offer two different ways to eliminate medical bill debt: Chapter 7 and Chapter 13.
With Chapter 7, you can quickly wipe out most of your consumer debts by discharging your obligation to pay them. While California laws allow an assigned trustee to sell some of your belongings to pay on your debts, in our experience, DebtStoppers clients usually keep most of their possessions, if not all of them!
Chapter 13 laws provide another option for handling unpaid healthcare bills. Instead of completely eliminating your debts, Chapter 13 allows you to reduce and restructure them to pay back about 10% of what you owe through an affordable 3-to-5-year repayment plan.
The Statute of Limitations for Medical Bill Debt in California
The statute of limitations for medical bill debt under California laws is 4 years, which means your healthcare provider has 4 years to initiate a lawsuit against you to recover an outstanding balance. If the statute of limitations expires, the provider loses their right to sue. Unfortunately, providers are well-versed in these laws, so they never let your debts go unpaid for that long.
DebtStoppers Can Help You Get Medical Bill Debt Relief
Trying to understand bankruptcy laws and decide your family’s best option can be challenging. Through our years of experience helping people file for bankruptcy, we’ve learned that:
- Navigating the court system can be tricky, particularly when you’re new to court proceedings and legal terms.
- Dealing with extremely personal issues like finances can create tension in your family relationships.
- The process of filing for bankruptcy can be incredibly stressful.
Luckily, you don’t have to go it alone. Our skilled and compassionate California lawyers will be by your side every step of the way. Call or text DebtStoppers today at 323-916-8660 to request a no-obligation case consultation.
Medical bills should never derail your family’s hope for the future! Call or text DebtStoppers at 323-916-8660 to learn more about how we can help you find financial freedom.