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Orlando Medical Debt Attorney

If you have suffered a serious injury or illness, you should not have to worry about paying off significant debt due to the medical bills you have incurred. However, spending on the nature of your procedures and your own insurance rates, you may have already started considering bankruptcy as a form of debt relief. If you have questions about repaying medical debt through bankruptcy, our Orlando medical debt attorney can answer them.

When Should You File Bankruptcy?

If you are staring at piles of medical bills that only continue to grow, it may be the right time to file bankruptcy. Bankruptcy should always be viewed as a last resort, but there are times when it can provide a viable answer. These include when:

  • You have other debt to address in addition to the medical debt,
  • You have tried to reduce or eliminate your medical debt with your creditors without a resolution,
  • Your medical care provider refuses to offer a manageable repayment plan,
  • Creditors are threatening to report you to the credit bureaus, or they have already reported you, and
  • You do not have coverage through Medicare or Medicaid.

Discharging Medical Debt Through Chapter 7 Bankruptcy

Chapter 7 bankruptcy, also known as a liquidation bankruptcy, can help individuals discharge, or eliminate, medical debt. Chapter 7 is also referred to as a liquidation bankruptcy because some of your property may be liquidated, or sold, to help repay your creditors. Florida has some of the most generous property exemptions in bankruptcy, however, and these can help protect your property.

Chapter 7 has very specific requirements and not everyone is eligible to file this type of bankruptcy. In order to file Chapter 7, you must pass the means test. The means test is meant to determine if you have enough disposable income to repay the debt. If you cannot pass the means test and will be disqualified from filing Chapter 7.

Addressing Debt Through Chapter 13 Bankruptcy

If you do not qualify for Chapter 7 bankruptcy, or you want to fully protect all of your property,  you can file Chapter 13 bankruptcy. This type of bankruptcy does not eliminate your debt but rather, it reorganizes it into a repayment plan. Repayment plans in Chapter 13 bankruptcy typically range between three and five years, which can make your medical debt much more affordable to repay.

You can also include other types of debt in a Chapter 13 bankruptcy repayment plan, which can make it more affordable. After creating your Chapter 13 repayment plan, the court must approve it.

Our Medical Debt Attorney in Orlando Provides Sound Legal Advice

Medical debt is one of the most common reasons people file bankruptcy. If you are struggling with debt you cannot afford to pay, our Orlando medical debt attorney can advise you of your legal options and help you determine which one is right for you. Call us now at 1 (800) 990-7763 or contact us online to schedule a consultation with our experienced attorney and to get the legal help you need.

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Tampa, Florida
Florida Law Advisers, P.A.

Tampa, Florida
1120 E Kennedy Blvd, Unit 231
Tampa, FL 33602
Phone: (800) 990-7763

Orlando, Florida
Florida Law Advisers, P.A.

Orlando, Florida
111 N Orange Ave, Suite 800
Orlando, FL 32801
Phone: (800) 990-7763

Dade City, Florida
Florida Law Advisers, P.A.

Dade City, Florida
38100 Meridian Ave
Dade City, FL 33525
Phone: (800) 990-7763