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Photo of attorneys Shelley Slafkes and Bruce Levitt
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Can I Get Rid of My Medical Bills if I File Bankruptcy?

On Behalf of | Jun 18, 2024 | Bankruptcy Basics, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Medical Bills and Bankruptcy

Medical debt is a major reason that people file bankruptcy. The Consumer Financial Protection Bureau indicates that $88 billion of outstanding medical bills are currently in collections-affecting one in five Americans. According to U.S. News & World Report, many people don’t get the medical care they need because they are afraid of incurring medical debt they cannot pay. Filing for bankruptcy can be an effective way to get rid of your medical bills.

Medical Bills are Unsecured Debt

Medical debt is unsecured debt which is the same as credit card debt, personal loans, utility bills, etc. Unsecured debt is not tied to any collateral, such as your house or car. Unsecured debts are discharged (eliminated) in bankruptcy. This means that if your file for bankruptcy in New Jersey, your medical debt will be discharged, leaving you with no responsibility to repay it.

There is no limit to the amount of medical debt that can be discharged in bankruptcy.

Importantly, if you’re filing bankruptcy to get rid of your medical bills, all your other unsecured debt, such as credit card bills and personal loans will also be discharged. You will have the financial fresh start you need and deserve!!

Medical Debt is Dischargeable in Bankruptcy

It’s a relief knowing that your medical bills can be discharged in bankruptcy. If you’re struggling with medical debt, and are being harassed by medical collectors, you should think about filing bankruptcy to eliminate the medical debt. Many people who seek bankruptcy relief do so to discharge their medical debt. Bankruptcy can fully wipe out your medical debt and other unsecured debt as well.

Levitt & Slafkes Can Help You Eliminate Your Overwhelming Medical Bills

If you have medical bills that you cannot possibly pay, contact us for help. At Levitt & Slafkes, we know that these debts can take an emotional toll. If you want an attorney that will treat you with compassion and respect, contact Levitt & Slafkes to schedule a free consultation to understand what your options are to eliminate your medical bills and the sleepless nights they cause.

Our office number is 973-323-2953 or you can reach us online.
 

We are proudly designated as a debt relief agency by an Act of Congress. We have proudly assisted consumers in filing for Bankruptcy Relief for over 30 years. The information in this blog is for general information purposes only. Nothing should be taken as legal advice for any individual case or situation.

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