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MEDICAL BILLS CAN BE DISCHARGED USING BANKRUPTCY. PEOPLE'S LIVES ARE BEING RUINED BY ENORMOUS BILLS.

 
Anonymous Coward
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07/03/2009 05:05 PM
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MEDICAL BILLS CAN BE DISCHARGED USING BANKRUPTCY. PEOPLE'S LIVES ARE BEING RUINED BY ENORMOUS BILLS.
CHICAGO – When carpenter Greg Douglas crashed his pickup truck, his toolbox hit him and smashed his ribs and collarbone. After a month in the hospital, the medical bills hit him even harder, totaling $165,000.

Myth: You can't discharge medical bills in bankruptcy

Answer: FALSE. This is false and sounds like a "bill collector's version of the law." Medical bills are typically unsecured debt...the same type of debt as credit card debt. Unsecured debt is usually one of the easiest to eliminate in bankruptcy.
Anonymous Coward (OP)
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07/03/2009 05:06 PM
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Re: MEDICAL BILLS CAN BE DISCHARGED USING BANKRUPTCY. PEOPLE'S LIVES ARE BEING RUINED BY ENORMOUS BILLS.
One of the best steps that you can take when dealing with rising medical bills is to contact an experienced bankruptcy lawyer who can advise you on the best options for your individual situation. Many individuals who have high medical bills have used credit cards to pay off the debts, but are now facing high credit card debts and rising interest rates. In order to stop this cycle of debt and to stop creditor harassment, you need the help and guidance of an attorney who understands what resources you may have and what can be done to help you out of this unfortunate situation.
Anonymous Coward
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07/03/2009 05:07 PM
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Re: MEDICAL BILLS CAN BE DISCHARGED USING BANKRUPTCY. PEOPLE'S LIVES ARE BEING RUINED BY ENORMOUS BILLS.
There is a gigantic portion of the population who believe in the gallantry of "pay ur bills". They'll die before admitting that they can't...and that they shouldn't.
Anonymous Coward (OP)
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07/03/2009 05:10 PM
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Re: MEDICAL BILLS CAN BE DISCHARGED USING BANKRUPTCY. PEOPLE'S LIVES ARE BEING RUINED BY ENORMOUS BILLS.
Chapter 7 Debt Dischargeability: Under Chapter 7 you may be relieved of debt related to credit cards, medical bills, past due taxes, utility bills, personal loans, car loans, deficiency loans, and sometimes second mortgages on foreclosed homes.

Chapter 13 Debt Dischargeability: Under Chapter 13 your debts are reorganized into a repayment plan, based on your budget. We can analyze what portion of your debt can be discharged. Debt that cannot be discharged under Chapter 7 can be part of a Chapter 13 repayment plan.


Debts that Cannot Be Discharged

Some types of debt typically cannot be discharged, but can be reorganized in bankruptcy, such as:

Alimony
Child support
Government insured student loans (although in rare circumstances a student loan can be discharged for hardship)
Tax liability for taxes less than three years old (tax debt is over three years old may be dischargeable)
Debts for state or federal fines and penalties, such as traffic tickets and criminal restitution
Secured loans for property you wish to keep (for example, a car)
Anonymous Coward (OP)
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07/03/2009 05:11 PM
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Re: MEDICAL BILLS CAN BE DISCHARGED USING BANKRUPTCY. PEOPLE'S LIVES ARE BEING RUINED BY ENORMOUS BILLS.
There is a gigantic portion of the population who believe in the gallantry of "pay ur bills". They'll die before admitting that they can't...and that they shouldn't.
 Quoting: Anonymous Coward 716609


Businesses do this all the time. People need to do what they can to stay afloat. There is no shame in bankruptcy.
It's a worthy "do over" in people's lives.
Anonymous Coward
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07/03/2009 05:13 PM
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Re: MEDICAL BILLS CAN BE DISCHARGED USING BANKRUPTCY. PEOPLE'S LIVES ARE BEING RUINED BY ENORMOUS BILLS.
Learn to look like a dirt-poor hispanic farmer and practce this phrase: "No hablo englas" then you'll be able to use any US hospital emergency room as your primary health care provider, free of charge
Anonymous Coward (OP)
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07/03/2009 05:18 PM
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Re: MEDICAL BILLS CAN BE DISCHARGED USING BANKRUPTCY. PEOPLE'S LIVES ARE BEING RUINED BY ENORMOUS BILLS.
Learn to look like a dirt-poor hispanic farmer and practce this phrase: "No hablo englas" then you'll be able to use any US hospital emergency room as your primary health care provider, free of charge
 Quoting: Anonymous Coward 685384


It's not free of charge. Are you kidding? I recently went to the ER with a broken ankle. I got a whopping bill.
Anonymous Coward
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07/03/2009 05:30 PM
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Re: MEDICAL BILLS CAN BE DISCHARGED USING BANKRUPTCY. PEOPLE'S LIVES ARE BEING RUINED BY ENORMOUS BILLS.
Learn to look like a dirt-poor hispanic farmer and practce this phrase: "No hablo englas" then you'll be able to use any US hospital emergency room as your primary health care provider, free of charge


It's not free of charge. Are you kidding? I recently went to the ER with a broken ankle. I got a whopping bill.
 Quoting: Anonymous Coward 648447
Anonymous Coward
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07/03/2009 05:30 PM
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Re: MEDICAL BILLS CAN BE DISCHARGED USING BANKRUPTCY. PEOPLE'S LIVES ARE BEING RUINED BY ENORMOUS BILLS.
Just don't pay it.
Anonymous Coward
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07/03/2009 05:37 PM
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Re: MEDICAL BILLS CAN BE DISCHARGED USING BANKRUPTCY. PEOPLE'S LIVES ARE BEING RUINED BY ENORMOUS BILLS.
Just don't pay it.
 Quoting: Anonymous Coward 717395


That's been my strategy!
Lizard Of Id
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07/03/2009 05:45 PM
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Re: MEDICAL BILLS CAN BE DISCHARGED USING BANKRUPTCY. PEOPLE'S LIVES ARE BEING RUINED BY ENORMOUS BILLS.
I thought $300,000 was the minimum to declare personal bankruptcy? Huh...


One trick a stupid bill collector tried to play on me was tell me my medical bills affected my credit rating.



HA! Wrong! Put me in the dead file bitch.


It was a double bill anyway. Fuckers.
Anonymous Coward
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07/03/2009 06:01 PM
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Re: MEDICAL BILLS CAN BE DISCHARGED USING BANKRUPTCY. PEOPLE'S LIVES ARE BEING RUINED BY ENORMOUS BILLS.
How can one get out of a student loan for hardship? A year or so ago I told the people that call and harass me to take the child support I never received and transfer that to paying my student loans. They said they couldn't do it. I really dont know why they can't . Hell they can garnish your wages and keep your stimulus package. Looks like they could off set my student loans with the thousands of dollars child support I never got. They also bother my husband that has nothing to do with my student loans, we married after the fact. To this day he has to file an injured spouse form to get his IRS refund. It sorta makes me mad, how they bail out banks, car companies, and insurance companies but screw with people, just trying to survive.





GLP