Even with health insurance, many individuals find out that their policies don’t cover treatments and procedures they need. When medical bills arrive, funds might not be available to pay. If you are faced with mounting debt due to healthcare expenses and related costs, below are strategies to take control of the situation and get your finances back on track. 

3 Ways to Address Medical Bill Debt

1. Apply for Financial Assistance

If you can’t afford your medical bills, look into financial programs the hospital provides. You might meet the eligibility requirements for an available financial assistance program. This could allow you to make smaller payments on the balance over time until it’s paid off. Depending on the hospital’s policies, you might have to apply for Medicaid to meet the criteria. 

2. Set Up a Debt Management Plan

To handle your medical bills and any other overdue charges, consider working with a debt management attorney. After a careful analysis of your debt, income, and living costs, they will be able to determine whether you will be able to afford to pay back what you owe and how long it will take. The lawyer will recommend a solution based on this timetable.  

3. File for Bankruptcy 

A debt management lawyer might recommend filing for personal bankruptcy. If your disposable income meets the requirements of the Chapter 7 means test, an attorney can help you file for bankruptcy. This filing will discharge medical bills. 

If you qualify for Chapter 13, however, medical bills will be included as one of the expenses in your repayment plan.

If your medical bills have become overwhelming, turn to the professionals at Padgett & Robertson, Attorneys at Law in Mobile, AL, for help. For more than 35 years, the counselors have been helping clients in Southern Alabama file for bankruptcy relief to put an end to wage garnishments, harassing phone calls from creditors, and crippling debt. For a free consultation, including a comprehensive financial analysis, call (251) 342-0264. To prepare for the meeting, find answers to frequently asked questions online.

No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.