Medical Bills and Bankruptcy in Columbus, GA

Medical Bills and Bankruptcy in Columbus, GA

Medical bills after a temporary illness or bills because of chronic medical problems bring many people to the edge of financial illness in Columbus, GA. Even in situations where people have the best medical insurance available, taking time off of employment and loss of earnings can strain a person's finances. When you have significant 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 permit 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 considered unsecured debts, and will be considered in bankruptcy similar to credit cards. Hence, medical bills can be completely eliminated in a Chapter 7 Bankruptcy.

Filing a bankruptcy case in Columbus, GA stops creditors from taking action against the debtor. What prevents creditors from acting is the automatic stay - an injunction issued by the court as soon as the case is filed. This automatic stay remains in effect until the case is closed. 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 allows a creditor to take certain specified actions, which will be listed in the order, to collect a debt against you.

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