Medical Bills and Bankruptcy in Liberty County, GA

Medical Bills and Bankruptcy in Liberty County, GA

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

Filing a bankruptcy proceeding in Liberty County, GA prevents creditors from initiating action against the debtor. What prohibits creditors from taking steps is the automatic stay – an injunction passed by the court as soon as you file the case. The automatic stay continues until the case is complete. On motion, and after a hearing before the bankruptcy judge, a creditor can obtain an order for relief from the stay. An order granting relief from the automatic stay permits a creditor to take certain specified actions, which will be spelled out in the order, to collect a debt against the debtor.

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