Can filing for bankruptcy in Alabama help a debtor eliminate their medical debt?

Moody, AL—There are plenty of reasons why individuals and businesses turn to bankruptcy, with one of those reasons being medical debt. The cost of medical care today is high and if an individual had to undergo medical treatment for which they couldn’t pay for at the time, they may have accrued a substantial amount in medical debt.

Unfortunately, those seeking payment for unpaid medical treatment are likely to take a more aggressive approach to get the money that is owed, including filing a civil lawsuit against the debtor. Thankfully, filing for bankruptcy may help an individual eliminate some or all of their medical debt.

Filing for Bankruptcy in Alabama

While bankruptcy isn’t a solution for all debtors who have acquired a significant amount in medical debt, it is for some. Now, there are different types of bankruptcies a person can file for including:

Chapter 7 Bankruptcy

With Chapter 7 bankruptcy, often referred to as “straight bankruptcy, “a debtor can get some or all of their debts discharged. This means they would no longer be required to repay the creditors they owe. Certain criteria must be met in order for an individual to qualify for Chapter 7 bankruptcy, all of which a Moody, AL bankruptcy lawyer can review with a debtor who is considering filing.

If an individual needs more information on Chapter 7 bankruptcy or would like to find out if they qualify, the attorneys at Hill, Gossett, Kemp & Hufford, P.C. are happy to assist.

Chapter 13 Bankruptcy

When a debtor files for Chapter 13 bankruptcy, instead of having some or all of their debts discharged, a repayment plan is set up so they can work toward satisfying the debts that are owed. But, instead of a debtor setting up these repayment plans privately with their creditors, the bankruptcy court will assist with the process.

When should an individual contact an Alabama bankruptcy lawyer?

If an individual identifies with any of the following situations, they should consider contacting Hill, Gossett, Kemp & Hufford, P.C. to speak with a bankruptcy lawyer:

An individual is looking for some form of debt relief after acquiring a considerable amount of medical debt.
An individual has been notified that a creditor has filed a lawsuit against them.
An individual would like more information on filing for bankruptcy in Alabama.

Anyone who would like to speak with a bankruptcy lawyer regarding their financial situation or to obtain basic information regarding filing for bankruptcy in Moody can contact Hill, Gossett, Kemp & Hufford, P.C. at any of their office locations listed down below.

Disclaimer: No representation is made that quality of legal services provided is greater than the quality of legal services provided by other attorneys.

Hill, Gossett, Kemp & Hufford, P.C. can be reached at:

Moody Office

2603 Moody Parkway, Suite 200

Moody, Alabama 35004

Phone: (205) 640-2000

Website: www.hwhlawgroup.com

Leeds Office

7900 Parkway Drive

Leeds, AL 35094

Phone: (205) 699-5500

Springville Office

6441 U.S. Highway 11