Medical Bills and Bankruptcy in Augusta, GA

Medical Bills and Bankruptcy in Augusta, GA

Medical bills from a temporary illness or bills because of chronic medical problems bring many individuals to the edge of financial downfall in Augusta, GA. Even in situations where people have the best medical insurance available, taking time off from employment and loss of earnings can strain a person's finances. When you have substantial 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 eliminate medical bills, hospital charges, doctor bills, medical collections, dental bills, and also most type of medical debt. Medical bills are treated as unsecured debts, and will be considered in bankruptcy just like credit cards. Hence, medical bills can be completely eliminated in a Chapter 7 Bankruptcy.

Filing a bankruptcy proceeding in Augusta, GA prevents creditors from initiating action against the debtor. What prohibits creditors from taking steps is the automatic stay - an injunction passed by the court as soon as the case is filed. This automatic stay continues until the case is over. On motion, and after a hearing before the bankruptcy judge, a creditor can get an order granting relief from the stay. An order for relief from the automatic stay allows a creditor to take certain permitted actions, which will be spelled out in the order, to collect a debt against the debtor.

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