Medical Bill Attorneys by State
Medical debt is a growing problem in the U.S., causing many families to suffer financial hardship due to inflated bills. When healthcare bills start to pile up, families strapped for cash often turn to credit cards or payday loans to make ends meet. Then they are hit with interest charges and late fees and have to borrow even more money just to get through the next month.
Are you trapped in a cycle like this? You're not alone. Unpaid medical bills have forced millions of Americans into economic difficulties. Even though you may feel disheartened, DebtStoppers can help you find hope again. You can obtain forgiveness for your debts and start over fresh through bankruptcy. Call or text us today to claim your free medical bill forgiveness evaluation with one of our qualified attorneys.
Find Debt Relief for Unpaid Medical Bills in Your Area
Filing for Chapter 7 or Chapter 13 bankruptcy is the most comprehensive way to receive debt forgiveness. Not only do bankruptcy laws allow you to wipe out your hospital bills, but they provide simultaneous relief from your other debts.
Chapter 7 allows you to receive complete forgiveness by discharging your healthcare debts. While many people are afraid that they will have to surrender their assets if they file for Chapter 7, DebtStoppers seldom sees our clients lose a single thing.
With Chapter 13, there is no liquidation required, so you will never have to give up anything. Instead of discharging your debts, you consolidate them into a reasonable monthly payment plan. Chapter 13 enables you to settle your debts, including medical bills, over 3 to 5 years.
What Happens When You Don't Pay Medical Bills?
If you don't pay medical bills, your healthcare providers become your creditors. Then, they try to collect what you owe, just like any other creditor would do. When your account goes to collections, the debt collector is legally required to send you a debt validation letter outlining what the debt is for and how much you owe. If you can't pay the balance, you could face escalating collection efforts such as:
- Aggressive collection calls and letters
- Incessant phone calls
- Wage garnishment
- Property liens
If hospital bill debt collectors have made your life unbearable, bankruptcy provides a permanent solution. The moment you file a bankruptcy petition, your creditors, including healthcare providers, are required to IMMEDIATELY STOP COLLECTION EFFORTS. They won't even be allowed to contact you.
Do Unpaid Medical Bills Affect the Credit Score?
Most hospital debt is not included in credit reports and does not impact credit scores. This is because the majority of providers do not report to the three national credit bureaus:
However, if a provider sends your past-due account to a collection agency, the agency will likely report that information to the bureaus after 6 months.
The Negotiation Process
Although such efforts are often unsuccessful, you can try negotiating a lower settlement or forgiveness for your bills. While some hospitals may offer debt forgiveness, there are generally strict requirements to qualify. And even if you can get forgiveness or a reduction, you will still owe all of your other debts.
Ask an Experienced Attorney in Your State
Debtstoppers can review your family's financial situation to determine how bankruptcy can provide medical bill forgiveness. Call or text us today to schedule a no-cost bankruptcy consultation with one of our experienced lawyers near you. We'll come to your defense and help you find the debt forgiveness that you need!.
Medical debt shouldn't sabotage your financial future. Call or text DebtStoppers today to request your custom bankruptcy plan.