Medical Debt Relief

You are not invincible. Medical debt can happen to anyone.

Do you have multiple medical bills and no way to pay them? Are you being hounded by a debt collection agency? Bankruptcy may be a viable plan to give you and your family a fresh start.

What Is It About Medical Debt That Makes It So Difficult To Pay?

Every aspect of an episode of care costs money. When you or a family member gets sick, their treatments can balloon more quickly than you planned on. It’s easy to think that insurance will take care of everything, but there are several scenarios where it won’t. Even small procedures can be extremely expensive. To make things worse, healthcare providers and hospitals can be impatient with patients that are slow to pay their bills and because of this, people with lots of medical debt also find themselves targets for debt collectors.

There are other aspects of medical debt that makes their debt more prevalent:


Medical bills are more complicated – Hospitals, insurance companies, healthcare providers; pretty much any entity that works in or around the healthcare industry will use industry jargon that you might be unfamiliar with. Medical paperwork is hard for the average patient to understand and insurance agencies and hospitals aren’t known for customer service that can adequately explain them.

It is unusual for a healthcare provider to mention how much a procedure costs – Hospitals will not give a list of treatments and what they cost before they are performed. This is because most patients have insurance that covers some of the cost, but not all of it.

Healthcare providers can make mistakes – The amount of paperwork and medical records that even a simple medical procedure or overnight stay in a hospital generates is enormous. Lots of paperwork means it is likely that the amount you are billed is incorrect.

Medical bill collectors are aggressive – Like other collectors, they must adhere to the Fair Debt Collection Practices Act, which means they can’t harass or lie to you, but it is possible that they contacted you the day they received your file from the doctor or hospital. What they can also do is report you to a credit bureau and damage your credit score.

Soaring healthcare costs and piles of medical debt?

These seriously damage your savings and credit. This is true even if you have health insurance.

How Bankruptcy Can Help

There are a few strategies you can follow to reduce your debt from medical bills. Be wary—they may not be as effective as you’d hoped:

  • Use credit cards to pay them off – The issue here is you put yourself further into debt, especially if you have problems paying a minimum balance.
  • Get a medical debt consolidation loan – Again, more debt, this time you will need to secure it with a personal asset.
  • Negotiate a payment plan – This may give you an opportunity to lower your monthly obligation, but to do so you will have to agree to high-interest rates and predetermined fees.
  • Question what your insurance company covered (or did not cover) – You can appeal how your insurance company covered a procedure, but most insurance companies only give you 30 to 60 days after they issue benefits to do so. If you are struggling with medical debt, it may be too late.

Chapter 7 or Chapter 13 bankruptcy can easily lift the burden of medical debt, and it’s preferable to steps listed above as a long-term solution. Once Toscano & Wilson files, the collections calls will stop. Chapter 13 gives you the chance to reorganize your medical debt along with other debt over the three to five-year duration. Chapter 7 will discharge these debts altogether. Toscano & Wilson can help you make the best possible decision for your specific situation.

Contact Us

The legal experts at Toscano & Wilson understand what you are going through. Bankruptcy may seem like the end, but the truth is it is simply a new beginning. Through competent and compassionate legal representation with Toscano & Wilson, things can only get better. Give us a call, tell us your story, and start to feel better about your financial situation.

  • The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, messages, and emails. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until an attorney-client relationship has been established.

  • This field is for validation purposes and should be left unchanged.