Medical Bills and Bankruptcy in Columbia County, GA

Medical Bills and Bankruptcy in Columbia County, GA

Medical bills after a temporary illness or bills due to chronic medical problems bring many people to the edge of financial illness in Columbia County, GA. Even in situations with the best medical insurance available, taking time off from job and loss of income can adversely affect a person's finances. When you have huge medical bills, filing a Chapter 7 Bankruptcy can get rid of your medical bills completely. If the bankruptcy means test determines you qualify to file for Chapter 7, it will permit you to get rid of 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 discharged in a Chapter 7 Bankruptcy.

Filing a bankruptcy proceeding in Columbia County, GA prevents creditors from initiating action against the debtor. What prohibits creditors from acting is the automatic stay - an injunction passed by the court as soon as you file the case. The automatic stay remains in effect until the case is over. On motion, and after a hearing before the bankruptcy judge, a creditor may obtain an order for relief from the stay. An order for 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 the debtor.

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