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 representation.

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!