
A major illness can set you back not only medically but financially. Time off work, job loss and medical bills can leave you drowning. So, can bankruptcy help me get rid of my medical debt? YES. How?
In a Chapter 7 your medical debt is wholly dischargeable. That means that when you file a Chapter 7 bankruptcy and you get your discharge your medical bill obligations are completely eliminated. The laws also protect you from your medical providers refusing to treat you after you have discharged your debt to them in bankruptcy. They cannot refuse to treat you.
When you complete a Chapter 13 Plan the medical debt is discharged. If you have to pay a percentage of your medical debt in a Chapter 13 – income based analysis- the remainder is discharged. The completion of a Chapter 13 is the same result as a discharge in a Chapter 7.