More than one in five Americans report having unpaid, past-due bills from a healthcare or medical service provider. This finding is from the Financial Capability in the United States 2016 study put on by the FINRA Education Foundation.

It is staggering that 20% of our population carries healthcare debt. In many instances, this debt will be paid off in a reasonable amount of time. Though, for others paying off huge healthcare debt and medical bills can be nearly impossible.

If you, your spouse, or your child has large healthcare debt that you cannot reasonably pay off, while still paying your monthly bills and living expenses, then it is time to explore how you can erase healthcare debt through bankruptcy.

How Healthcare Debts Are Treated in Bankruptcy

Healthcare debts, including doctor’s bills, hospital bills, and other medical debts, are unsecured debt. Unsecured debts, which are debts not backed by collateral (such as a home or car), are generally discharged in bankruptcy. This means that healthcare debts are erased and you are no longer legally obligated to pay them back.

Bankruptcy Can Erase Healthcare Debts

If you file for Chapter 7 bankruptcy, all of your health debt will be erased. If you file for Chapter 13 bankruptcy, you may pay back none, all, or a portion of your healthcare debt. So long as your case is successful, you will no longer owe on healthcare debt that you incurred prior to filing your case.

Healthcare debt that you incur after filing for bankruptcy will not be erased. The date your case is filed is critically important in determining what debts can and cannot be discharged. It is important that you consult with an experienced bankruptcy attorney to help you determine the best time to file so that you can maximize the benefits of filing for bankruptcy.

Healthcare Bills That You Cannot Afford

Our firm can help you get rid of healthcare bills through bankruptcy. If you live in Savannah, GA or the surrounding areas, let’s meet for a free consultation. Please reach out to us at (912) 351-9000 or contact us by filling out this simple web form.

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For over 35-years we have proudly served the people in Savannah, Richmond Hill, Hinesville, Pooler, Port Wentworth, Tybee Island, Clyo, Ellabel, Midway, Springfield, Pembroke, Brooklet, Garden City, and Ludowici, Georgia.


We are a debt relief agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code.

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