Medical Bills & Bankruptcy
Indianapolis Lawyers: Filing Bankruptcy Due to Medical Bills
Bankruptcy Lawyers in Marion County
Take Back Financial Control of Your Life From Your Medical Creditors
As far too many Americans know all too well, health insurance does not provide complete protection against major accumulating medical bills. If you have really high deductible or coinsurance payments, one or more major medical events can result in thousands of dollars of debt. If you have no health insurance at all, medical debt can pile up even faster.
Financial stress is the last thing you want to deal with when your family is fighting through a medical crisis. At the long-established Indianapolis law firm of Redman Ludwig, P.C. , we gently encourage people drowning in medical bills to consider bankruptcy. When we discuss medical bills and bankruptcy, we are not recommending that our clients not pay back their health care providers. What we are saying, with strong conviction, is that your medical creditors do not have the right to harass you for payment. Furthermore, without the protections of a formal bankruptcy petition, medical bills can drive a family into deeper financial crisis that it can be nearly impossible to recover from.
What Happens to Medical Bills Without Bankruptcy?
If you are struggling to pay medical bills after major surgery, other medical treatment or a prolonged hospital stay, you will probably find yourself facing some of the most aggressive bill collectors in the industry. True, medical bills do not accumulate interest and fees like credit cards do. Instead, people run into trouble because they have to try to juggle multiple bills from multiple health care providers — even if all the bills are related to the same surgery or procedure.
You can try to work out a payment plan for your medical bills, but different doctors and hospitals are not required to work together. Each creditor can demand a minimum payment that — when combined with the minimum payment required from your other medical creditors — may be impossible to meet without taking money away from basic necessities.
If you do not comply with the medical creditor's payment demands, you will face extreme creditor harassment. The medical bill debt collectors can call you at home and at work. They can call your family to find out where you are living and working. If you fail to make payments on the debt, then you may be sued for the debt and face wage garnishments of up to 25 percent of your wages.
Don't Let Medical Bills Drive You Into Bankruptcy — Call Toll Free 1-866-660-6928
In our three decades finding debt relief solutions for individuals and families throughout Central Indiana, our attorneys have accumulated extensive experience helping eliminate or minimize overwhelming medical bill debt. Bankruptcy may or may not be the answer — we will analyze your circumstances and help you make that decision.
Better to face the crisis head on than to ignore the problem. Sadly, it won't go away and will only get worse until you face it and make a commitment to find a solution. Let us help you. When you retain a lawyer to help you with debt relief, you can stop harassment from creditors.
Learn more about bankruptcy, including Chapter 7 and Chapter 13. Then, call our Indianapolis law offices at 317-800-6181 or toll free at 866-660-6928 or reach us online by completing the brief form located on the contact us page of this Web site. We offer reasonable payment plans and will deduct initial consultation costs from your fee should you decide to retain us.
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