There Is a Way Out, There Is a Solution
While statistics vary from state to state and year to year, it is a consistent truth that a great number of bankruptcies — perhaps the majority — are caused by an illness, injury or disability and the resultant medical bills and costs.
It is an all-too-common scenario: a family's breadwinner is injured or falls ill, is unable to work and requires expensive medical care or rehabilitation. Not only is the family facing a dramatic decrease in income, but it has to deal with the burden of tens or even hundreds of thousands of dollars in medical bills.
There is good news. As a general rule, medical bills are dischargeable in bankruptcy. This means you can reduce or eliminate your medical debt through filing under Chapter 7 or Chapter 13.
Unfortunately, many of our clients have suffered longer than necessary. Some have taken out second mortgages in order to pay medical bills or other unsecured debt. Others have used property as collateral for loans just to make ends meet. This needlessly complicates the situation and may impact the degree to which their debt is ultimately dischargeable in bankruptcy.
At a personal level, our advice to anyone who is struggling with overwhelming medical bills they cannot afford is this: contact an experienced attorney who can help you evaluate your situation, weigh your options and move forward toward a real solution.
The bankruptcy lawyers at Clark Law Offices in Phoenix, Mesa and Glendale offer free, no obligation, no pressure consultations to clients seeking medical debt relief in Arizona. Contact us today for answers, guidance and personalized solutions.
Our offices are conveniently located in Phoenix, Mesa and Glendale, Arizona.
