Medical Bill Lawyers in Michigan
Millions of American families have more medical bill debt than they can handle. If yours is among them, you are not alone. Skyrocketing healthcare costs and backbreaking hospital expenses have buried countless hard-working Michigan families in medical bill debts.
DebtStoppers can give you the relief you need to get on with life. Our skilled lawyers can help your family overcome your medical bill debts and start over with a clean slate. Call or text us today at 313-880-3970 to schedule a free bankruptcy assessment with one of our experienced Michigan attorneys.
Michigan Medical Bill Collection Laws
When you don’t have the cash to pay your hospital bills, it feels like there is no way out. Luckily, the federal government designed bankruptcy laws to help families like yours get through financial struggles.
Bankruptcy laws can provide you with instant relief from your healthcare debts. The moment you submit your petition, the court will issue an automatic stay that prevents your creditors from trying to collect from you or even contacting you!
The automatic stay applies to healthcare providers and collection agencies alike. In fact, all of your creditors will have to immediately stop all of their collection methods — even those annoying phone calls!
Can Chapter 7 and 13 Get You Out of Debt?
Bankruptcy laws provide two effective ways to get out of medical bill debt. In Michigan, you can file under Chapter 7 or Chapter 13.
If you choose Chapter 7, you can get fast and permanent relief from your debts by discharging them. Even though the laws allow a court-appointed trustee to liquidate some of your assets to pay back what you owe, DebtStoppers clients rarely lose anything they own.
Chapter 13 laws deal with your healthcare bill debts differently. Rather than immediately eliminating your debts, Chapter 13 lets you reduce and reorganize them into a 3-to-5-year repayment plan. On average, our clients pay 10% or less of their debt.
Statute of Limitations on Medical Bills in Michigan
Under Michigan laws, the statute of limitations on medical bills is 6 years. This means that if your healthcare bill debt is more than 6 years past-due or you haven’t paid on them for more than 6 years, your healthcare provider cannot sue you to recover what you owe. Unfortunately, they never let it go that long.
Our Lawyers Know All the Options for Debt Relief
Navigating bankruptcy laws can be trying, both legally and emotionally. Our years of experience has shown us that”
- Dealing with the court system can be stressful, particularly if you’re unfamiliar with legal terms, procedures, and formalities.
- Handling incredibly personal problems like finances can cause issues in your family relationships and friendships.
- The anxiety the bankruptcy process causes can be painful and isolating.
Luckily, you don’t have to go it alone. Our professional Michigan attorneys can review your financial circumstances and walk you through each stage of the bankruptcy process. Call or text DebtStoppers today at 313-880-3970 to set up a complimentary financial analysis with one of our skilled Michigan lawyers.
At DebtStoppers, we believe that medical bills shouldn’t destroy your plans for the future. Call or text DebtStoppers at 313-880-3970 to deal with your debt today!