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Can I file a Medical Bankruptcy?

March 5, 2014

Medical debt is often a major influence in the decision to file bankruptcy. Although some only want to file bankruptcy on their medical debt, there is no such thing as a "Medical Bankruptcy." Under the bankruptcy code, debtors are required to list all of their creditors in their schedules. This includes all secured creditors, unsecured creditors, and even personal loans from family and friends. It is important to keep in mind that the schedules are signed under penalty of perjury and intentionally leaving off a creditor is a violation of the bankruptcy code.

With the increasing cost of medical care, even people with health insurance may be left with significant medical debt after suffering serious aliment. An extended hospital stay or serious injury may leave someone with a large amount of medical bills which remain their responsibility after the insurance has covered a portion of the expenses. In addition, medical issues often lead to a decrease or loss of income.

Fortunately, for those faced with overwhelming medical debt, bankruptcy provides an avenue for relief. Medical debt, like general unsecured debt and secured debts which are not reaffirmed, are dischargeable through Chapter 7 and Chapter 13 bankruptcies. If you find yourself drawing in medical debt, consult a bankruptcy attorney about your financial situation. Although you will have to include all of your debt, a bankruptcy is designed to provide filers with a "fresh start" and in many cases, helps people rebuild credit quicker than slowly paying down a significant amount of debt. Contact us today for a free consultation at 1.866.705.7584 or send an email to


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