Medical Bills and Bankruptcy in Chatham County, GA

Medical Bills and Bankruptcy in Chatham County, GA

Medical bills after a temporary illness or bills because of chronic health problems bring many individuals to the edge of financial illness in Chatham County, GA. Even in situations where people have the best medical insurance available, taking time off of work and loss of income will adversely affect a person’s finances. If you have significant medical bills, filing a Chapter 7 Bankruptcy can eliminate your medical bills completely. If the bankruptcy means test shows you qualify to file for Chapter 7, it will allow you to discharge medical bills, hospital charges, doctor bills, medical collections, dental bills, as well as most type of medical debt. Medical bills are considered unsecured debts, and are treated in bankruptcy just like credit cards. Hence, medical bills can be totally eliminated in a Chapter 7 Bankruptcy.

Filing a bankruptcy case in Chatham County, GA stops creditors from initiating action against you. What stops creditors from taking steps is the automatic stay – an injunction passed by the court as soon as you file the case. The automatic stay remains in effect until the case is closed. On motion, and after a hearing before the bankruptcy judge, a creditor may get an order granting relief from the stay. An order granting relief from the automatic stay allows a creditor to take certain permitted actions, which will be spelled out in the order, to collect a debt against you.

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