Medical Bills

If medical bills put you in a financial black hole, our Olympia bankruptcy attorneys can help.

You may be surprised to learn that more people in the United States declare bankruptcy because of medical bills than any other reason. In fact, studies show that nearly two-thirds of bankruptcy cases are the result of unmanageable medical bills and debts owed to hospitals. This statistic is even more shocking when you realize that most of these people had medical insurance, but high deductibles and expensive co-pays still destroyed their finances.

One illness or accident could mean losing your home to foreclosure, having your car repossessed, and becoming trapped in a never-ending cycle of debt. If you reach this point, your situation may seem hopeless, but bankruptcy may offer a way to save your home, protect your car from repossession, eliminate your medical bill debt, and restore your good credit.

If you are being constantly harassed by nasty debt collectors who are trying to collect on hospital bills and medical debts, you owe it to yourself to learn the facts about bankruptcy here in Washington State. If you can qualify for Chapter 7 or Chapter 13 bankruptcy protection and relief, filing for bankruptcy may just be your best option.

Our attorneys know the Federal and Washington State bankruptcy laws when it comes to medical debts and bills related to hospital procedures. And, if you retain our bankruptcy law firm, we will do everything legally possible to maximize your relief under the law.

Here’s the thing. If you are drowning in medical bills, you have very important legal rights and options when it comes to paying these debts. Bankruptcy is one of the most powerful financial tools on the planet. And, our bankruptcy laws were specifically crafted to enable good people who were hit with an unexpected medical emergency and overwhelming hospital bills to get back on their feet without being completed devastated financially for years and years.

Our Thurston County debt relief lawyers not only serve Olympia, WA but all surrounding cities as well. These include but are not limited to the residents of Lacey, Tumwater, Yelm, Rainier, and Rochester. If you would like to find out more about our bankruptcy legal services, contact one of our Olympia bankruptcy attorneys for a free consultation today.

Bankruptcy allows you to eliminate credit card debt and get a fresh start financially.

Bankruptcy law was developed as a way to help people get out from under crippling debt. Around a million people declare bankruptcy every year. Can you imagine what would happen to the nation’s economy if none of them weren’t able to get a fresh start? It would crumble.

By allowing you to eliminate credit card debt, bankruptcy makes it possible to restore your credit and become a contributing member of the economy once again. It’s like hitting the financial reset button. An added benefit is the fact that creditors can longer contact you when you file. They can’t call you, or even send you a letter in the mail. You get to enjoy immediate peace of mind and when your medical bill and doctor-related debt is discharged, you never have to worry about them again.

Our Thurston County, WA bankruptcy lawyers can help you eliminate medical bill debt.

Medical bills, including hospital bills and doctor bills, are a form of unsecured debt. When you file Chapter 7, all of your unsecured debt is eliminated. If you qualify and retain our bankruptcy services, in about 120 days, your current medical bills will become a thing of the past.

When you file Chapter 13, your remaining unsecured debt is discharged upon completion of your debt consolidation plan, which usually lasts around 60 months. It’s usually possible to discharge most, if not all, of your unsecured debt with this option.

There is no such option as a “medical bankruptcy” because it’s simply not needed. Chapter 7 and Chapter 13 bankruptcy addresses medicals bills because it is an unsecured debt. When medical bills are discharged, it’s still possible to receive medical care, although you may have to seek out different providers.

Olympia, Washington, medical bills, and you.

Olympia has it all – great schools, beautiful neighborhoods, and a thriving art community. However, you can come down with an illness or experience an injury in the blink of an eye. If you have to spend time in the hospital or seek specialized treatment, you could end up with a mountain of medical bills. Even if you have health insurance, you can quickly become so mired in debt that there is no way to crawl your way out. If you’re interested in Olympia healthcare, follow this link to the city website and find out more about local hospitals.

If you decide that filing for bankruptcy is your best option, your attorney will petition the Western Washington Bankruptcy Court on your behalf. If you’re looking for more information, this page of frequently asked questions may be useful to review. If you’re ready to find out whether you qualify, contact one of our Olympia bankruptcy attorneys for a free consultation.

Was your medical bill debt the result of an injury?

If you or someone in your family was injured in an accident and you filed a lawsuit against the responsible entity, you must inform your bankruptcy trustee. Withholding this information is a criminal offense, and it could result in bankruptcy fraud charges. If you haven’t filed a lawsuit, be sure to talk to your Olympia bankruptcy lawyer about your legal options.

Be sure to consider your future medical care.

If you’re receiving ongoing care from a doctor that you like, you can choose to pay them back on your own after your debt is discharged. We strongly recommend that you wait at least 90 days, otherwise your bankruptcy trustee could seize any amount of money paid to the doctor over $600. You will be able to receive medical care after declaring bankruptcy, but you may have to seek out larger facilities because smaller ones may refuse treatment. Before you file, you should be certain this won’t interfere with any necessary treatment you’re currently receiving.

Contact one of our Olympia medical debt bankruptcy attorneys today for a free consultation.

If you’re ready to eliminate all of your hospital bills, doctor bills, and medical bills, then we urge you contact our Olympia bankruptcy offices today for a free consultation. We can explore your options and determine the best way to maximize the amount of debt you’re able to discharge.

(360) 350-4830