Do You Need Philadelphia Medical Bill Help?

What to do when medical bills are putting you more and more in debt

When you or a family member suffers a serious illness or injury, and you either have no medical insurance or your insurance is insufficient to cover all the expenses, it causes as much financial strain as it does emotional strain. And when trying to keep up with mortgage payments, car loans and credit card bills and just keeping food on the table have you in more debt than you can manage, it add insult to injury.

You have options

The soaring cost of medical care, along with the increased cost of medical insurance, has meant that even families with assets and good incomes may become burdened with debt when a loved one requires an expensive medical procedure. Throughout Philadelphia, medical debt can force people to look for debt relief and debt consolidation help. A qualified attorney can examine your individual situation and chart a course of action. Options may include:

• Chapter 7 bankruptcy
• Chapter 13 bankruptcy
• A debt management plan in which you agree to pay back what is owed over a period of time

Because medical bills are unsecured debt, you may be able to eliminate them altogether by filing for Chapter 7 bankruptcy. In order to qualify for Chapter 7, you would have to pass a means test — basically, a formula that uses your income against your debts to calculate whether or not you have the ability to repay. Means testing qualification varies from state to state, and you may require the help of an experienced attorney to help find out if you are able to file for Chapter 7 bankruptcy, or if another option would be better for your situation.

Contact a Philadelphia area attorney for help getting medical debt under control

Whether you are considering debt relief, debt reorganization or debt counseling, Philadelphia attorneys can explain your rights, your legal recourse and your options. To find a lawyer in your area, please fill out the online form or call 267-428-1386.