Medical bills are a painful reality of life for Americans with serious health problems, including:
- Serious, life-threatening illnesses such as cancer
- Chronic conditions such as diabetes or asthma
- Injuries such as broken bones, burn injuries or catastrophic injuries (brain injury, spinal cord injury)
- Birth of a premature baby
Watch Out for Co-Pays and "Pre-Existing Condition" Exceptions
Those who have good medical insurance are fortunate. Sometimes, however, even very good health insurance does not protect an individual and a family from the effects of astronomical medical bills. Co-pays can add up in a hurry when a person needs to see a doctor often. Health insurance often does not pay for pre-existing conditions, and insurers are notorious for trying to find any excuse to play the pre-existing condition card.
Medical Debt Collectors Are Known for Aggressive Tactics
If you are facing more medical bills than what you can pay, you probably already know that medical industry collections are among the most aggressive of debt collectors. It is not uncommon for medical bill collectors to take a case to court and get a judgment for wage garnishment or a bank account levy without giving a debtor much warning or notice. In fact, they may have in mind seizing assets before you have a chance to file bankruptcy. For this reason, we recommend that you talk to a bankruptcy lawyer as soon as you perceive a problem repaying medical bills. Things could get much worse in a hurry if you do not take action on time.
Are You Worried About Retaining Access to Treatment? Talk to Us.
You may be considering bankruptcy as a remedy for medical bills that are beyond your ability to repay as scheduled. However, if you have a terminal disease or chronic condition, you may worry if you will still be able to receive needed treatments if you file bankruptcy. Talk to a knowledgeable attorney about medical bills and bankruptcy to learn the truth about your rights when you file bankruptcy.
Talk to an Attorney About Unmanageable Hospital Bills and Other Medical Debt Relief
To schedule free consultation regarding debt relief, medical bills and bankruptcy, contact a lawyer near Poughkeepsie, New York, at the law offices of Genova & Malin, Attorneys at Law.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
