Medical Debt in Bankruptcy

Medical Debt in Bankruptcy

Liviakis Law Firm assists individuals and families who are facing problems with debt. A common cause of severe financial difficulty is overwhelming medical debt caused by a sudden catastrophic injury or illness, or the need for long-term medical treatments, rehabilitative therapy or day-to-day health care. Incurring substantial medical debt is often accompanied with feelings of helplessness and anxiety that can lead to additional medical problems.

Such a burden is particularly frustrating and difficult to overcome for the elderly who are living on a fixed income. Filing for bankruptcy can provide a reprieve from these kinds of crushing debts.

To learn about discharge of medical debt in bankruptcy, contact us today for a free initial consultation.

Does Bankruptcy Clear Medical Bills?

Medical debt is unsecured debt, dischargeable under Chapter 7 and Chapter 13 bankruptcy.

When filing for Chapter 7 bankruptcy, your nonexempt assets will be liquidated by the bankruptcy trustee and the proceeds apportioned to creditors in full satisfaction of your debts. As unsecured debt, your medical creditors will be prioritized behind lenders that guaranteed loans secured by collateral. In some cases, medical debt is completely written off.

Under Chapter 13 bankruptcy, your medical debts will be incorporated into a repayment plan that fits your budget, to be paid in manageable payments over the course of three to five years. At the end of this time, your debts will be fully satisfied with any remaining balance discharged.

As a skilled, experienced lawyer, knowledgeable in relevant California laws, I will also make sure that the medical debt incurred was appropriate under California’s Health and Safety Code. If you were charged more than permitted by your medical provider, filing for bankruptcy due to medical debt may be unnecessary.

Financial Difficulties Assistance From a Knowledgeable Sacramento, California, Attorney

We represent clients throughout Sacramento County, El Dorado County and Placer County, California, from my conveniently located offices in Ranch Cordova and Sacramento. To clear medical bills in bankruptcy and for the best outcome and most financially secure outlook, contact our office for a free initial consultation with an experienced lawyer.

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    Client Testimonial

    Wonderful Bankruptcy Attorney!

    I retained Mr. Liviakis after a very bad experience with another lawyer who basically abandoned my case. Mr. Liviakis was thorough in his analysis of the law and the facts of the case and very prompt in responding to all of my questions. His professional handling of the case gave me confidence that the matter would be done right.

    Professional and Talented Attorney

    Very professional and talented bankruptcy attorney. He helped me though a very difficult situation. I recommend Liviakis to others in the community of Sacramento. Liviakis took time to answer all of the bankruptcy questions that I had. My case turned out very well. It was an easy experience and no stress at all.

    They Truly Cared

    After interviewing several lawyers, I decided to use Miki. Miki and his staff were knowledgeable and helpful throughout the process. They kept me informed every step of the way and made me feel like they “cared”. I have worked with a number of attorneys over the past 25 years and Miki is someone whom you can trust.

    Definitely Recommend

    I would definitely recommend Atty. Liviakis to anyone that I know that needs help to sort out their financial problem. Very easy to talk to and always prompt when I have questions. Chapter 11 Client

    Mikalah was the most informed and knowledgeable proffesional i have ever had the privilege to work with.not only did he handle our case succesfully,he treated us with dignity and respect in a very tough time. I highly recomend this attorney he is a man with integrity,a true professional.

    Chapter 7 Client

    Liviakis Law Firm was professional and empathetic to my situation. I felt that I could discuss my situation without judgment or feeling shame. I appreciated the quick communication and professional demeanor of all staff.