Medical Bills and Bankruptcy in Madison County, GA

Medical Bills and Bankruptcy in Madison County, GA

Medical bills from a temporary illness or bills because of chronic medical problems push many people to the edge of financial downfall in Madison County, GA. Even in situations with the best medical insurance available, taking time off of work and loss of earnings can strain a person's finances. If you have huge medical bills, filing a Chapter 7 Bankruptcy can discharge your medical bills completely. If the bankruptcy means test determines you qualify to file for Chapter 7, it will allow you to discharge medical bills, hospital charges, doctor bills, medical collections, dental bills, as well as most type of medical debt. Medical bills are considered unsecured debts, and are treated in bankruptcy just like credit cards. Hence, medical bills can be totally eliminated in a Chapter 7 Bankruptcy.

Filing a bankruptcy proceeding in Madison County, GA prohibits creditors from taking action against you. What stops creditors from taking steps is the automatic stay - an injunction passed by the court as soon as you file the case. This automatic stay continues until the case is complete. On motion, and after a hearing before the bankruptcy judge, a creditor may get an order granting relief from the stay. An order for relief from the automatic stay permits a creditor to take certain specified actions, which will be listed in the order, to collect a debt against the debtor.

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