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Photo of attorneys Shelley Slafkes and Bruce Levitt
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Solutions to Crushing Medical Debt

On Behalf of | Nov 20, 2018 | Medical Bills and Bankruptcy

There isn’t a person in this country who wants to have a serious medical condition, suffer a traumatic injury, or require ongoing medical treatment. Beyond the physical and emotional tolls that come with medical ailments, medical care is expensive. In fact, medicine and medical treatment is routinely more expensive in America than anywhere else. Even with insurance, medical debt can quickly spiral out of control for anyone and can become completely unaffordable.

Discharging Medical Debt Through Bankruptcy

If you find yourself struggling with medical debt, with a pile of unpaid bills, and with medical debt collectors harassing you at every turn, you need relief. One option to addressing these medical bills is to attempt to negotiate down your outstanding balances with your medical providers; however, people can have limited success with this, as medical providers want their money and often prefer to turn it over to aggressive and hostile debt collectors.

Another option may be an assistance program that some medical providers offer. But if you are even able to get through to anyone who will talk to you about these programs, there are generally very strict income thresholds that limit who can qualify for this assistance.

After exhausting your options to lower your insurmountable medical debts, you should consider bankruptcy relief. And you are not alone in this-studies have indicated that a great number of people who seek bankruptcy relief do so to discharge medical debt. In fact, under Chapter 7 and Chapter 13 bankruptcy, medical debt is treated as unsecured debt. This means that it is not tied to collateral, like your home or other property. As such, medical debt is fully dischargeable through bankruptcy. In other words, bankruptcy proceedings can fully wipe out your medical debt AND get you an automatic stay that will legally get those debt collectors off your back.

Let Levitt & Slafkes, P.C. Work For You

If you are struggling to pay medical debts, contact Levitt & Slafkes, P.C. We want you to know that you are not alone and that you have options. With more than thirty years of experience, out attorneys understand how to efficiently and effectively attain debt relief for clients in need of help. We pride ourselves in communicating with our clients and on getting things right so they can move forward. Contact Levitt & Slafkes, P.C., at (973) 323-2953 to schedule a free consultation, or 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.