Medical Bills and Bankruptcy in Richmond County, GA

Medical Bills and Bankruptcy in Richmond County, GA

Medical bills from a temporary illness or bills due to chronic medical problems push many individuals to the edge of financial downfall in Richmond County, GA. Even in situations where people have the best medical insurance available, taking time off of job and loss of earnings can strain a person's finances. If you have huge medical bills, filing a Chapter 7 Bankruptcy can discharge your medical bills completely. If the bankruptcy means test shows you qualify to file for Chapter 7, it will permit you to discharge 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 are treated in bankruptcy just like credit cards. As such, medical bills can be totally discharged in a Chapter 7 Bankruptcy.

Filing a bankruptcy proceeding in Richmond County, GA prevents creditors from taking action against the debtor. What prohibits creditors from acting is the automatic stay - an injunction issued by the court as soon as you file the case. 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 for relief from the stay. An order for relief from the automatic stay allows 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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