Medical Bills and Bankruptcy in Evans, Georgia

Medical Bills and Bankruptcy in Evans, Georgia

Medical bills from a temporary illness or bills due to chronic health problems push many people to the edge of financial downfall in Evans, Georgia. Even in situations where people have the best medical insurance available, taking time off of employment 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 shows you qualify to file for Chapter 7, it will allow you to get rid of medical bills, hospital charges, doctor bills, medical collections, dental bills, and also most type of medical debt. Medical bills are treated as unsecured debts, and will be considered in bankruptcy just like credit cards. Therefore, medical bills can be totally eliminated in a Chapter 7 Bankruptcy.

Filing a bankruptcy proceeding in Evans, Georgia prohibits creditors from initiating action against the debtor. What prohibits creditors from taking steps is the automatic stay - an injunction passed by the court as soon as the case is filed. The automatic stay remains in effect until the case is complete. On motion, and after a hearing before the bankruptcy judge, a creditor can obtain an order for relief from the stay. An order granting relief from the automatic stay permits a creditor to take certain permitted actions, which will be listed in the order, to collect a debt against you.

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