Medical Bills and Bankruptcy in Columbus, Georgia

Medical Bills and Bankruptcy in Columbus, Georgia

Medical bills from a temporary illness or bills due to chronic health problems bring many people to the edge of financial downfall in Columbus, Georgia. Even in situations where people have the best medical insurance available, taking time off from employment and loss of earnings will strain a person’s finances. When you have significant medical bills, filing a Chapter 7 Bankruptcy can discharge your medical bills completely. If the bankruptcy means test shows you qualify to file for Chapter 7, it will permit you to discharge medical bills, hospital charges, doctor bills, medical collections, dental bills, and also most type of medical debt. Medical bills are considered unsecured debts, and will be considered in bankruptcy just like credit cards. So, medical bills can be completely discharged in a Chapter 7 Bankruptcy.

Filing a bankruptcy proceeding in Columbus, Georgia stops creditors from taking action against the debtor. What prevents creditors from acting is the automatic stay – an injunction passed by the court as soon as the case is filed. This automatic stay continues until the case is closed. On motion, and after a hearing before the bankruptcy judge, a creditor can get an order for relief from the stay. An order granting relief from the automatic stay permits 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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