Medical Bankruptcy & Debt Lawyers

Get Help With Your Medical Debt Today

With an economy barely recovering from several difficult years and many employers forced to lay off valuable employees, providing health benefits and medical care for a family is becoming harder and harder. Compounding the problem are the facts that health care costs are rising and the future of health insurance is unclear. At Leinart Law Firm, we know that medical debt is a serious issue for many American families,and want to offer debt solutions to help you determine the best course of action for getting your family ahead. When an injury, illness, or accident occurs, your first concern should be getting immediate medical care. We don’t want you to be worried about the costs of your health care visits or treatments. We’ll help you by ensuring that the charges are fair, your payment terms are proportionate to your wages, and that you are able to start with over a clean slate. If you are looking for the best medical bankruptcy Dallas law firm, think Leinart Law Firm.

Helpful Information About Medical Debt

What Exactly Is Medical Debt?

Debt is defined by the Fair Debt Collection Practices Act as, “a consumer’s obligation to pay money arising out of a transaction in which the money, property, insurance, or services that are for personal, family, or household purposes.” This means anytime you sign a contract with the hospital or clinic to treat you, you agree to pay whatever your insurance company doesn’t cover. If your insurance company refuses to pay anything, you may be responsible. You have rights with medical debt to dispute it if you feel you were billed incorrectly.

Strategies for Facing Medical Debt

One of the biggest causes of bankruptcy is medical debt. The sad part is, the majority of people that are forced into bankruptcy had medical insurance. Medical debt is known as “unsecured debt” and can be discharged during bankruptcy. Bankruptcy is not the only option however. Here are a few other strategies for dealing with medical debt.

Talk to the Hospital

Many hospitals and medical providers will work with you on a payment plan. Create a monthly budget and work out how much you will be able to pay per month. Discuss this with your hospital’s financial department. Many hospitals will not charge interest for the first year and will not send your bill to collections if you have a set payment plan. They may also cut you a discount if you do not have insurance. Never underestimate the power of a phone call.

Fight the Insurance Company

If your debt is largely in part because of your insurance denying coverage, you can appeal their decision. This is difficult and may require the help of an attorney. If they still deny, you may be stuck with legal bills in addition to your medical bills.

Medical Bankruptcy Options

There have been far too many instances of desperate people who encounter severe financial problems due to medical expenses. For example, a person may have an illness treated with an experimental drug or other type of treatment, and an insurer may not cover it as a result. In other cases, people have to undergo multiple surgeries or long-term physical therapy and their insurance simply runs out. What’s even worse, if the person in ill health is the main wage earner, the family could quickly be in dire financial straits. If you are faced with having to pay for essentials such as food, clothing, and shelter or paying your medical bills, then filing either Chapter 7 or Chapter 13 bankruptcy may help you regain a sense of control over your finances. Both options provide a way to eliminate medical debt – if you file Chapter 7 you must be under a certain income level, but if you file for Chapter 13, you could still discharge a large amount of that debt. It’s extremely important that you speak with a professional so that you have all of the information you need to make the best choice possible.

Our Attorneys Can Help Relieve Your Debt

At Leinart Law Firm, we focus on bankruptcy and debt solutions, so we know exactly what legal protection you may be granted under the law. With more than 15 years of experience with bankruptcy and debt law, we have worked with thousands of clients and helped many people to make a fresh start. Learn more about our other debt solutions:

Schedule a FREE, no-obligation consultation and evaluation today.

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Discuss your situation and options with an experienced bankruptcy & debt lawyer.