Discharging Medical Debt Through Bankruptcy
New Hampshire Bankruptcy Lawyer
If an unexpected injury or illness has resulted in an overwhelming amount
of medical bills, you will likely be looking for ways out from your heavy
financial burden. Many Americans are facing this problem because of inadequate
health insurance coverage and the rising cost of healthcare. Individuals
who have accumulated an insurmountable amount of medical debt can consider
filing for bankruptcy to get out of this difficult situation.
You need to retain my skillful representation as your New Hampshire bankruptcy
attorney for help discharging your medical debt. This is not a legal issue
that you can address on your own without experienced and knowledgeable
How can bankruptcy help me?
The two main types of bankruptcy that can help individuals with their debt
problems associated with medical bills are
Chapter 7 and
Chapter 13. Medical debt is treated as a non-priority, unsecured debt in a Chapter
7 bankruptcy. Unsecured debts are those that are not secured by a piece
of property. As a non-priority debt, it will receive low priority when
the trustee makes payments to your creditors. Even if only a small portion
was paid off, you will have your remaining medical debt wiped away completely
when you receive a discharge. Although you must first qualify for Chapter
7 bankruptcy by taking a means test, there is no limit on how much debt
you can discharge in this type of bankruptcy.
If you instead file under Chapter 13, at the successful completion of your
payment plan, the remaining medical debt will be discharged. Discharging
medical debt through Chapter 13 is different than doing so through Chapter
7 bankruptcy. Chapter 13 is beneficial if you have secured debts on top
of your unsecured debts. During a free initial consultation, I can help
you determine which type of bankruptcy is the best route to pursue. If
you or a loved one has been hospitalized, your focus should be on physical
recovery, not on medical bills. Retain my legal counsel to assist you
through this process.
Contact Attorney Bryan W. Clickner
today for the legal assistance you need in Manchester!
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