Can you file bankruptcy after 6 years on medical bills?

Answer 1

Yes. Medical bills, credit cards, mortgages and car loans on surrendered or lost collateral, personal loans, bank fees, utility bills, etc. can all be discharged in bankruptcy assuming the court doesn't deem any of the debts to have been acquired by fraud. Please note that nothing in this posting or in any other posting constitutes legal advice; this is simply my understanding of the facts and law, which I do not warrant, and I am not suggesting any course of action or inaction to any person. Speak to a lawyer for specific advice. If you have any questions, please refer to a lawyer in your jurisdiction. Thanks!

Answer 2

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 best case if you have very large bills.

Answer 3

Yes. They are includable, (like all debts and assets MUST be - you don't get to do it on some...YOU go BK not a debt), and dischargeable. Anticpate he would argue to make sure all your assets are extinquished before he has to give up any of what you owe him

Answer 4

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 so you can eliminate all the bills.

Answer 5

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.

Answer 6

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.

Answer 7

Yes but to be totally informed talk to a bankruptcy lawyer.

Answer 8

Not without committing fraud.