One of the primary reasons individuals file bankruptcy is high medical debt. An emergency procedure, unexpected illness, or injuries from an accident can result in significant out-of-pocket expenses. Even those with insurance coverage may be personally responsible for thousands of dollars in doctors’ bills, hospital costs, and more. In many cases, ongoing medical issues may prevent the individual from returning to work and earning wages. This situation can quickly become overwhelming. Ben Cushman understands that medical debt is a major concern for many of his clients. He has experience helping Washington residents get relief from their medical bills. Our firm serves clients in Olympia and Tacoma as well as other areas in Washington, including Grays Harbor, Mason, Cowlitz, and Pacific Counties. If you are considering bankruptcy as a way to eliminate medical bills, contact our office today to schedule a consultation.
Olympia lawyer helping residents discharge medical debt in bankruptcy
Healthcare costs have skyrocketed in the past several years. The cost of medical treatments, even for those with insurance coverage, can quickly become unmanageable for patients and their families. After dealing with a serious illness or emergency procedure, the last thing a family needs is the added financial burden of insurmountable medical debt. For those who cannot afford to pay these bills, bankruptcy may provide relief. In Chapter 7 bankruptcy, medical debt is generally discharged completely. This process is relatively fast and allows debtors to restart their path to financial recovery quickly. The Chapter 7 process requires individuals to liquidate certain of their assets to pay creditors, which may be a drawback for some debtors. If one is not eligible for Chapter 7 or would prefer not to liquidate assets, Chapter 13 bankruptcy is another option. The Chapter 13 process requires debtors to repay a portion of their debts through a repayment plan. Depending upon the amount of debt and the filer’s income, the payments may be drastically reduced and last for three to five years. At the end of the process, certain debts, including medical bills, are discharged. Our attorney can explain the differences between the two processes and help you determine whether Chapter 7 or 13 bankruptcy is appropriate for you.
It is important to note that after a bill is discharged in bankruptcy, the provider may no longer pursue collection actions against the debtor. For many, putting an end to harassing collection calls or threatening letters is a major relief. Many providers will agree to treat you after the bankruptcy is complete, however, some may decide to terminate their relationship with the patient if their bills are discharged in bankruptcy. Because of this you may choose to reaffirm the debt to a specific doctor, but doing so can have serious ramifications, so you will want to consult with an attorney before doing so.
Ben Cushman is an Olympia attorney who has over two decades of experience representing Washington residents. He understands how medical debt can ruin a family’s finances and lead to bankruptcy. Ben will review your entire financial picture, including medical debt, to determine which debts may be discharged in bankruptcy. He will advise you which type of bankruptcy is most beneficial for you and your family. He understands that every case and client is different and will explain what you can expect throughout the process. Contact us today to schedule a consultation.
Olympia attorney focused on customer service throughout the bankruptcy process
Ben is a lawyer who understands that medical debts create stress and embarrassment for many Washington residents. Regardless of the circumstances leading to bankruptcy, Ben treats his clients with respect and gives each case the attention it deserves. This is why he prioritizes communication with his clients and promptly answers emails and responds to phone calls throughout the process. This is true whether you are in Olympia or elsewhere in Washington.
Our firm also serves the Thurston County cities of Lacey, Tumwater, and Yelm, the Pierce County cities of Tacoma, Puyallup, and Lakewood, the Lewis County cities of Centralia, Chehalis, the King County cites of Seattle, Auburn, Bellevue, Burien, and Federal Way, as well as other areas in Washington, including Grays Harbor, Mason, Cowlitz, and Pacific Counties.