Medical Bills in Federal Way

The majority of bankruptcy cases in Washington and the rest of the country are the direct result of medical bills. This debt is often unexpected and significant enough to cause irreparable financial damage. Having health insurance is no guarantee against financial ruin because high copays and deductibles can still incur tens of thousands of dollars in medical bill debt. If you're already living paycheck to paycheck, medical bill debt can leave you feeling like your financial situation is hopeless.

If you're wondering how you're going to pay your bills after accumulating large amounts of medical debt, contact one of our Federal Way bankruptcy lawyers to discuss your options. You are no doubt appreciative of what your doctor was able to do for you, and want to make sure they get paid. However, you also have to acknowledge your financial health, and bankruptcy may offer a lasting solution to uncontrolled debt.

• Medical bills are unsecured debt, so filing for bankruptcy allows them to be discharged
• In Federal Way, there is no such thing as a "medical bankruptcy," but most bankruptcies nationally are the result of high medical debt
• Bigger hospitals may agree to treat you after your debt is discharged, but smaller ones may not
• If medical debt was the result of an injury and you can sue the responsible party for damages, you are required to tell the court-appointed trustee

Sometimes things happen that are simply out of your control, and injuries and illnesses certainly qualify. Even the most responsible person with perfect credit and money in the bank can suddenly find themselves with a mountain of medical bills. If you're wondering how you can find relief from debt incurred by medical bills, contact one of our bankruptcy lawyers in Federal Way and find out how you can wipe them out and get a fresh start.

You should never feel embarrassed or ashamed for declaring bankruptcy because of medical bill debt. Bankruptcy laws were created by the government to help people is these types of financial emergencies. These laws allow people who are burdened with heavy debt to find relief and become active participants in our nation's economy once again. Bankruptcy is your opportunity to eliminate debt from medical bills and press the financial reset button.

If you were in an accident caused by someone else's negligence, and you can sue them for compensation, any settlement is considered an asset when you file for bankruptcy. The law requires that you fully disclose all of this information to your trustee. If you fail to do so, you could be charged with criminal fraud. Go over the details of your situation in their entirety when you speak with your Federal Way medical bill debt relief lawyer so that they can help with any contingency.

If you are fond of your doctor and your debt to them is ultimately discharged via bankruptcy, you can pay them voluntarily out of pocket at a later date. However, the trustee can recover money you give to a doctor or hospital within 90 days if the amount is over $600. For this reason, you may want to wait until that time has passed before attempting to make any payments.

Many larger hospitals and clinics will keep treating you after your debt to them has been discharged via bankruptcy. Smaller doctor's and dentist's offices may not, so if your medical condition requires attention from a particular doctor or medical facility, you may want to talk to them before you file.

If medical bills are making it impossible to get caught up on your finances, our Federal Way bankruptcy lawyers can help you explore your options. Take advantage of your legal rights regarding bankruptcy, put an end to debt, and wipe the slate clean by contacting our law office.