Does filing bankruptcy on medical bills count against you?
Count against you for what? Filing bankruptcy of any type for any reason will have an effect on you, particularly your credit worthiness
And you do not file on any specific bills. YOU go bankrupt on everything you own and everything you owe. No exceptions.
What can you do about your medical bills you cant pay them and you filed for bankruptcy in 2008 your husband is file on them now but they will still come after you?
Assuming these are medical bills incurred after your Chapter 7 filing and you received a discharge, and they are for medical services for you, not your husband, they will come after you. You should consider filing a chapter 13 to pay them off in whole or in part, depending on your income and expenses. If your husband has a bankruptcy lawyer, he should ask the lawyer. You may consult your own lawyer.
Not if the bills are for medical care given after the date of filing. If you unintentionally omitted pre-filing medical debts, you will have to file a motion to amend your Schedule F and Plan, file the amended F and Plan and be able to pay the new plan amount. If your plan has just started, or was less than 60 months, it may not be a problem.
Of course. In fact it is the number one cause of BK filings. And understand...you file BK on everything you have, assets and debts. Some are exempt from being liquidated or cleared, but you do file them. I had a bill that was not large enough to justify filing for bankruptcy but still difficult to pay. I used http://www.klfinancialservices.com to negotiate my 10k medical bill down to 4k. Obviously filing for BK may be the…
Do you mean 6 years after receiving a discharge in a Chapter 7 bankruptcy or are you referring to medical bills that are six years old? If you've already received a discharge in a Chapter 7, you must wait 8 years between filing. If the bills are 6 years old, they may be too old to collect because of the statute of limitations, but you can still discharge them.
Bankruptcy plays vital role in your life if you are facing financial problems or having unsecured loans like medical bills, repayment loans,wage garnishment. Filing bankruptcy gives you strong legal protection from your creditors. If some one is facing home foreclosure then filing chapter 13 bankruptcy helps a lot. It stops home foreclosure & bring automatic stay.
There are various reasons why people file for medical bankruptcy. A serious illness, lingering sickness or disability that you have or of a family member which require long stays in a hospital bed, expensive medicines, regular consultations with high rates and numerous unaffordable medical tests could drive minimum wage earners on the brink of bankruptcy, particularly those without insurance coverage or the under-insured. It can help but the process will take long for filing it…
Yes. The primary way people avoid responsibility for unexpectedly large medical bills is to file for (declare) bankruptcy. Texas, having one of the largest uninsured populations of any state in the union, is no exception. The medical bills for people who do this are then passed on to local taxpayers.
There are two types of personal bankruptcy individuals can file: Chapter 7 is the most common, where most of your debts are wiped clean. A Chapter 7 filing will discharge your debts, except for alimony and child support, federally insured student loans, criminal and traffic fines, state and federal taxes due within the last three years, and debts that resulted from willful malicious acts. Another common bankruptcy filing is Chapter 13 which allows you to…
Can a levy be placed on your bank account for unpaid medical bills that have gone to collection agency in the state of Wisconsin?
After filing bankruptcy should each bill remain single on a report or be included in the bankruptcy and removed?
The bills will remain on your credit report, but each one should have a notation that it was included in the bankruptcy. Which is to say, BK may change or excuse the debt you owe...but it adds generally considered negative things to your credit history, and it does not change or excuse the history you make.
This really depends on whether the judgment is a dischargeable debt in bankruptcy. There are some debts that you cannot eliminate in bankruptcy and they will continue to exist after the bankruptcy. Generally judgments from credit cards, medical bills or personal loans can be discharged but they can become non dischargeable if the creditor claims fraud or misrepresentation within the bankruptcy.
When filing a Chapter 7 bankuptcy can you list old bills inadvertently left off your Ch 7 from 10 years ago?
Of course....most ANY asset that you have at time of filing (the law suit is one) can be used to pay the debts you incurred before the filing. I'm not sure why you would think anything else....you do not pick and chose what is in your BK. It is everything....YOU go bankrupt, not debts. If your BK discharges, say medical bills or losses you incured...and you have a suit that pays for those bills,,,does it…
Parking tickets cannot be discharged under Chapter 7 bankruptcy. They can, however, be discharged under Chapter 13 bankruptcy. Chapter 7 bankruptcy is known as "liquidation" bankruptcy. This generally means that all of a debtor's non-exempt property may be sold by a bankruptcy trustee, though the laws for property exemption are different in each state. For example, in New York, most debtors are able to keep all of their property. Chapter 13 bankruptcy is a 'reorganization…
Are bankruptcy filings so common because people are irresponsible or because they do not understand how to manage money?
Neither. The percentage of people filing BK because of frivolous spending is small. Job loss, layoffs, the economy in general is one reason. The lack of adequate medical insurance places "working poor" families in dire straits when it comes to a serious accident or illness. They are faced with overwhelming medical bills and few choices. The number one reason for BK filings by seniors is medical bills and the high cost of prescription medicines. Certainly…
What are a couple of consumer debt solutions for someone who is thinking of filing bankruptcy because of medical bills?
Before you file for bankruptcy, you should consider your other options. First off, you should attempt to speak with the doctor's office or medical office to see if you can be put on a financing or payment plan. Hospitals are businesses just like anything else and are oftentimes more than willing to work out a financing plan. You might also look into companies that would be willing to help you create a financing plan, but…
Of course...and by your asking...you either need an attorney or need to have the one your using explain exactly what your doing. Bankruptcy doesn't change your obligation to maintain, care for, and ability to lose things you own...just as before it. You probably still own your home, why wouldn't you want to insure it and its contents and all the other things HO Ins covers? And of course, as part of your filing and the…
In Indiana is the surviving spouse responsible for deceased spouse medical bills The deceased was on her medical plan but signed his own responsibility sheet for each doctor's visit?
Unless the survivors signed some type of contract or agreement to be responsible for the deceased's medical bills, it is the deceased's ESTATE which is liable for the expense. The medical suppliers should first file a claim against the insuror and THEN proceed against the deceased's estate for any unpaid remainder - NOT the survivors.
People who have accumulated debt beyond their ability to pay, either due to medical bills, credit card bills, disaster, business failure or other financial devestations could need a bankruptcy attorney. This attorney can help guide them through the steps neccesary to help eliminate debt and help a person move on towards a better financial future.