When an unexpected illness or injury occurs in your life, it can be devastating. Not only are you having to deal with the recovery process, but you also have mounting medical bills to face. This is especially true if you are not insured. Many people mistakenly believe medical bills cannot hurt their credit or they cannot be pursued through garnishments for these debts. The truth is, a medical debt is treated just like any other debt. It can and will go against your credit if it goes unpaid and you can be pursued through any allowable method of the law, to recover the amount you owe. If you owe tons of medical bills, you no longer need to stress. By hiring Bankruptcy Lawyers in Belleville IL, your debts can be taken care of legally, so you can focus on your recovery.
How Can a Bankruptcy Lawyer Help You with Medical Bills?
If you have tried working with the medical providers you owe and they are unwilling to help you, you need to contact Bankruptcy Lawyers Belleville IL. You will need to provide information on all of the medical bills you owe, as well as any other debts you may have. When huge amounts of medical bills are involved, the attorney will commonly work to file Chapter 13 bankruptcy. This allows you to keep all of your property, though you will be required to pay a monthly payment to the court each month, to cover the debt. Your attorney will look at your income verses the debt you owe and propose a payment amount you can afford. It will be up to the judge to enforce this payment amount when deciding on your bankruptcy approval.
Chapter 13 bankruptcy can last for a period of three to seven years. The amount of time it lasts will depend on the amount of debt you owe. Once your medical bills and other debts have been listed in the bankruptcy, none of these creditors are allowed to contact you or pursue you in any way for your debts. As long as you continue making your monthly payments to the court each month, your bankruptcy will be in good standing and you will not face wage garnishments or court cases.
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