Medical Bills and Bankruptcy in Macon, Georgia

Medical Bills and Bankruptcy in Macon, Georgia

Medical bills after a temporary illness or bills because of chronic medical problems bring many people to the edge of financial downfall in Macon, Georgia . Even in situations where people have the best medical insurance available, taking time off from employment and loss of income can strain a person's finances. If you have substantial medical bills, filing a Chapter 7 Bankruptcy can discharge your medical bills completely. If the bankruptcy means test says you qualify to file for Chapter 7, it will allow you to eliminate medical bills, hospital charges, doctor bills, medical collections, dental bills, as well as 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 totally eliminated in a Chapter 7 Bankruptcy.

Filing a bankruptcy case in Macon, Georgia stops creditors from taking action against you. What stops creditors from taking steps is the automatic stay - an injunction issued by the court as soon as the case is filed. The automatic stay continues until the case is over. On motion, and after a hearing before the bankruptcy judge, a creditor can get an order granting relief from the stay. An order for 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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