The answer to getting out of debt begins here

One of the biggest reasons that could cause an individual to consider filing bankruptcy is if they get hurt or become ill and have to spend time in a hospital and as a result a debt is incurred that could be quite a bit of money if the person does not have insurance. These numbers can get so high that a person will see no alternative but to file for bankruptcy.  The good news for the person considering bankruptcy is that these debts are considered unsecured and could be discharged in a bankruptcy.

If the individual is permitted or is qualified  to file a chapter 7 bankruptcy the medical bills will be discharged as explained earlier. If the person files a chapter 13  the bills will be considerably reduced. If you had to choose one the better option is a chapter 7. The stay that goes into affect when the petition is filed also helps you here because the hospital will not be allowed to proceed with any lawsuits. The good thing here is that it will be very difficult to lift the stay in this situation. Many doctors are aware of this and will be more then willing to negotiate the bill. In many cases people can get the bill reduced considerably without filing  bankruptcy.

What makes us different is that we walk you through every stage, making the process easier to deal with. At our law firm our first priority is you the client. Let our experience work for you.