Bankruptcy

How to deal with medical bills

There’s no such thing as a “medical bankruptcy”. Even though you’re filing a bankruptcy case to get rid of overwhelming medical debt, you won’t be able to limit the case to just outstanding medical bills. The bankruptcy laws are designed to be as fair as possible to the debtor (the person who files the bankruptcy case) and to the creditors. Medical debt is considered the same as credit card debt, old utility bills, personal loans, and money you’ve borrowed from friends and family. These are all similar enough that the bankruptcy code treats them the same way.

Many people owe money directly to doctors, laboratories, hospitals, out-patient surgery centers, dentists, and other medical providers. Other people use credit cards to pay their medical care providers, and in that way rack up huge amounts of credit card debt.  

Debts owed to medical providers and credit card debt are classified as unsecured debt. This means that the debtor has not pledged a piece of property (such as a house or car) as collateral for payment of the debt.

If you need help you can text or call.

wh Law, is a debt relief agency. We help people file for bankruptcy protection under the U.S. Bankruptcy Code.

About the Author
Brandon Haubert Arkansas Lawyer

Brandon M. Haubert

Partner

Brandon grew up in Clarksville, Arkansas, where he learned the most important parts about lawyering: How to work hard, how to to work smart, and how to work out problems with other people. The rest he picked up in law school and his first few years of practice, but he firmly believes that most of what makes him a good advocate is what he…

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