Facing medical debt is tough. Usually, it is unexpected. Doctors visits, surgeries, broken bones, and prescriptions are crazy expensive, even if you have good insurance. Plus, co-pays and out-of-pocket expenses really add up quickly. These bills are quite often more than a person can afford.
Necessary medical procedures are just that necessary. Often happen without warning. They can be financially debilitating. Fortunately, medical bills can be discharged by filing for bankruptcy protection in Arizona. A medical debt bankruptcy can either be in a Chapter 7 or a Chapter 13 bankruptcy.
Our Medical Debt Relief Attorneys
Our debt relief attorneys know that discharging medical debt may not be something you ever thought you would have to consider. However, sometimes you may need to declare bankruptcy because of a result of debts that were not voluntary. Phoenix’s leading cause of bankruptcy is medical debt and doctors’ bills. Thankfully, there is relief for people struggling with medical debt. Their debts can be eliminated through chapter 7 or chapter 13 bankruptcy.
Above all, several of life’s circumstances can create financial hardship. Additionally, medical debt cost can quickly become overwhelming: multiple Dr.Appointments, rising prescription costs, and many other medical procedures.
Plus, medical debt in Arizona affects individuals with insurance, and those without insurance. Nevertheless, a bankruptcy discharge through chapter 7 and chapter 13 bankruptcy may be the debt relief you seek in order to eliminate your Arizona medical debt. Generally, medical debt and cost is considered unsecured debt. Unsecured debt is completely eliminated in a bankruptcy filing.
What is a Medical Bankruptcy?
Technically, there is no such thing in the law as medical bankruptcy. Medical Bankruptcy is a team used by several bankruptcy lawyers to describe a bankruptcy that is caused due to excessive medical and doctor debt. Additionally, there is no way to file bankruptcy and only list your medical debts. All debts must be included when declaring bankruptcy. On a bankruptcy petition, all debts are listed, not just medical debts.
Often, medical debt leads to wage garnishments. Medical wage garnishments can immediately be stopped through filing for bankruptcy. Many clients turn to bankruptcy to wipe out this sort of medical wage garnishment and unexpected debt crisis. Therefore, please know that our Arizona Zero Down Bankruptcy attorneys can help you get out from under medical charges that are causing stress and sleepless nights. Thus, if you are facing a medical debt wage garnishment, please call our experienced lawyers for a free debt evaluation. Available either in person or through our Bankruptcy by Phone program, we can put an end to your medical debt woes.
ELIMINATE MEDICAL DEBT VIDEO
Filing Chapter 7 Bankruptcy to get Rid of Medical Debt
Getting rid of medical debt in Arizona is achieved through filing a chapter 7 bankruptcy. Because, in the context of a ch 7 bankruptcy filing all medical debt, regardless of the amount, is completely dischargeable when you file for chapter 7 bankruptcy protection in Phoenix. Basically, once your bankruptcy is successfully discharged, you have no obligation to pay back any of the doctor or medical bills that you have taken on. Plus, this includes medical debt that was not included in your insurance coverage.
Doctor and Hospital Bills in a Chapter 13 Bankruptcy
Medical Bills in a Chapter 13 bankruptcy are treated much like credit card bills. Whereas, both are unsecured debts and usually only a portion of the total debt will be repaid in a ch 13 bankruptcy. Thus, if you make all of your Chapter 13 plan payments, your debt will be discharge in full at the end of your chapter 13 filing. Therefore, it is entirely possible in a Chapter 13 bankruptcy that you will only have to repay pennies on the dollar of all of your medical debts. Additionally, make sure and consult with our medical debt lawyer today and find out if discharging your medical debt in an Arizona Chapter 13 Bankruptcy Filing is the best plan for you.
Can You File Bankruptcy on Your Medical Bills?
A simple answer to this question is “Yes”. Medical debt is the leading reason that people in Phoenix and throughout Arizona file bankruptcy. Plus, medical and doctors’ bills are considered to be unsecured debt. Therefore, being unsecured, these debts are easily wiped out by declaring bankruptcy. Much like credit card and other unsecured debts, Medical Bills do not receive priority treatment when you file a chapter 7 bankruptcy.
The goal of our Phoenix Medical Debt Relief Attorneys is to provide Phoenix, Mesa, Chandler, and Gilbert residents with affordable legal representation to combat excessive medical debt. In short, our experienced bankruptcy attorneys work to help families find debt relief and regain financial stability. Therefore, if a Phoenix Chapter 7 bankruptcy protection is not your best option to get rid of medical debt, perhaps a Phoenix Chapter 13 may also be a possibility. Whereas, in a Chapter 13 bankruptcy, Doctor and medical bills may be consolidated and repaid through the Chapter 13 repayment plan. Contact our Phoenix Zero Down Lawyers today.
MEDICAL BANKRUPTCY FAQs
Will I go to jail if I don’t pay my medical bills?
No. Medical bills are civil debts and can be collected on by your health care provider. However, there is no such thing as a debtor’s prison. You will not go to jail for unpaid medical bills. Though, if a collection agency files a law suit against you and wins, a judgement will be placed against you. That is the worst of it. As per the law, you can’t be incarcerated for not paying your medical debt.
Will I Lose My Doctor If I File Bankruptcy on his Bill?
This is a question that many people worry about when filing Chapter 7 or Chapter 13 bankruptcy. Though there are laws in place that make it so hospitals and doctors can not refuse to give medical help to those who can not pay. However, your Doctor could choose not to see you again if you discharge the monies owed to him in a bankruptcy. More than likely this will not happen as both your doctor and the hospital will be happy to have you as a patient so long as your pay your bills going forward.
What Percentage of Bankruptcies are Because of Medical Debt?
If you are considering filing bankruptcy because of the cost of medical treatment or a medical condition has caused you to miss work. Know that you are not alone. A whopping 66.5% of all bankruptcy filings are tied to excessive medical debt. Additionally, it is the leading cause of bankruptcy filings in Arizona and throughout the United States.
Do a lot of People in Arizona have Medical Debt or Is it Just Me?
It is not just you. One out of every 6 people in Arizona and throughout the United States have medical debt. Throughout the country there are many people who have at least one form of medical debt that shows up on their credit report. The medical debt adds up to over 80 Billion dollars nationwide.
Is There a Limit of How Much Medical Debt I Can Discharge in a Chapter 7 Bankruptcy?
There is no limit to the amount of debt that you can discharge in a Chapter 7 bankruptcy.
CONTACT ARIZONA ZERO DOWN BANKRUPTCY AND GET DEBT FREE TODAY
We accept bankruptcy clients throughout Arizona. No office visit necessary. We provide experienced bankruptcy services with personal and professional attention throughout the legal process.
HOW CAN WE HELP?
Consult with the expert bankruptcy legal team if you are faced with:
Harassing phone calls from creditors
Loss of a job or wages
Making monthly bill payments
Crushing credit card debt
A wage garnishment
Clients who call upon our services have overwhelming debt caused by life circumstances. Hence, we understand that Arizona residents are faced with difficult financial situations that result in debt. Thus, we are here to help you get out of debt, and our team will be with you throughout the bankruptcy process.
WHY CHOOSE US
ARIZONA ZERO DOWN BANKRUPTCY LAW FIRM CAN HELP YOU ELIMINATE DEBT
You Will Be Debt Free
Free Initial Consultation
Affordable Bankruptcy Filing Rates
Payment Plans For Every Budget
Trusted, Experienced Attorneys
Expert Legal Representation
When you consult with Arizona Zero Down Bankruptcy Law Firm, your case becomes a priority. An attorney will explore all legal options available for you to eliminate debt. Our legal team will help you to understand the bankruptcy process, and explain your rights as a debtor. Through effective communication and dedication to clients, Arizona Zero Down Bankruptcy provides clients with expert legal representation. We listen to your concerns about your debt, and offer legal services that will produce the best possible outcome for your financial needs.
Consulting with an attorney at Arizona Zero Down Bankruptcy allows clients to ask questions and get options for their debt situation. Plus, every single debt relief case is unique. Additionally, our experienced attorneys know the most effective methods to eliminate debt. Plus, we provide legal representation with our clients’ needs in mind. Therefore, if you are afraid of filing bankruptcy, we can discuss options. Plus, many Arizona residents are faced with some real debt, and filing for bankruptcy may be the most viable option for a promising financial future. In conclusion, our firm helps clients after a bankruptcy discharge to immediately begin rebuilding credit and gives advice on how to get credit restarted.
EXPERIENCED ARIZONA BANKRUPTCY ATTORNEYS
Filing bankruptcy is an important decision, and our law firm specializes in assisting individuals and families across Arizona realize that there is a future without debt. Because our attorneys have experience and knowledge in the Arizona Bankruptcy law, we know how to best serve clients that need debt relief. Also, our lawyers will deal with harassing creditors, stop a wage garnishment, end a foreclosure, and eliminate or reduce debt. We take pride in our reputation of client satisfaction with our firm. Arizona Zero Down Bankruptcy is focused on the best interests of each client as their needs relate to their specific case.
LEGAL SUPPORT THROUGHOUT THE ENTIRE LEGAL PROCESS
Hiring a law firm and attorney to represent your bankruptcy petition is a big deal. Therefore, you want to find a bankruptcy lawyer who will return phone calls promptly, communicate openly, listen to your concerns, provide adequate answers to questions, and to be right by your side throughout the bankruptcy process. Thus, our Arizona debt relief team believes in treating clients with respect and giving honest and appropriate advice. In fact, it is typical that a client is anxious, intimidated, or even overwhelmed by filing for bankruptcy. Hence, we are the experts, and we will take care of every legal aspect, details, deadlines, and paperwork that are required of a bankruptcy petition.
CONTACT ARIZONA ZERO DOWN BANKRUPTCY AND GET DEBT FREE TODAY
If you are facing an auto repossession, contact our Arizona Zero Down Bankruptcy attorney. Our attorneys help clients understand the bankruptcy process as a solution to debt relief needs. The legal staff at our law firm will ensure that your rights as a debtor are protected, and that you understand the debt relief process as it pertains to your specific financial debt situation.
SAVE YOUR HOME
Arizona Zero Down Bankruptcy attorneys can help you keep what is important to you and your family. If you are facing a foreclosure, contact our firm for assistance. Our lawyers give professional advice whether or not bankruptcy is the best option for your debt relief needs.
STOP A WAGE GARNISHMENT
A wage garnishment threatens your income, and affects your professional career. Arizona Zero Down Bankruptcy Attorneys will review your financial situation, then help you to understand the impact of a wage garnishment. We will review the benefits filing bankruptcy protection can provide, including stopping a wage garnishment.
ELIMINATE CREDIT CARD DEBT
Arizona Zero Down Bankruptcy represents clients across Arizona wipe out overwhelming unsecured debt such as credit card debt. If you are unable to pay more than the minimum payment on your credit card statement, or if you have debt that prevents you from making minimum monthly payments, our experienced debt relief legal team can help.
DEBT RELIEF AND YOUR PROPERTY
Stripping a lean in a Chapter 13 bankruptcy is complicated, depending on the asset and value, and needs the attention and representation of an experienced attorney. Chapter 13 bankruptcy protection provides a means to eliminate mortgage liens on real estate property. Consult with Arizona Zero Down attorneys to better understand how to remove a lien from your home.
DEBT RELIEF FROM MEDICAL DEBT
Clients who experience medical emergencies resulting in crushing medical debt get debt relief help from Arizona Zero Down Bankruptcy lawyers. Medical bills from illness, surgery, doctor visits, prescriptions, and other health crisis can become staggering. Arizona Zero Down Bankruptcy law firm can help you get control over this type of debt.
CLIENT TESTIMONIALS & REVIEWS
COMMITMENT AND DEDICATION TO EXCELLENT LEGAL REPRESENTATION
Read why Arizona Zero Down Bankruptcy clients choose our law firm and legal team to provide legal representation for their cases.
I didn’t know how I was going to afford an attorney to file my bankruptcy. Because Arizona Zero Down Bankruptcy offers no money down, I called, set up an appointment, met my attorney, and my bankruptcy was filed — and it didn’t cost me a penny upfront.
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Phoenix, AZ 85003
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Mesa, AZ 85202
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Glendale, AZ 85308
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