Medical debt can leave many considering bankruptcy

Some necessities in life are expensive. It may be impossible for some Pennsylvania residents to avoid certain costs that could leave them struggling financially. For example, if a person faces a medical emergency or even a condition that needs continual medical care, it is likely that he or she will face significant medical bills that can seem overwhelming even with insurance covering some of the costs. It is not unusual for medical debt to lead parties to consider bankruptcy.

Many people think that they can handle their medical bills by setting up a payment plan or trying to utilize debt settlement. While these options may seem viable, they are not always ones that work out. If parties are struggling financially, they may not be able to keep up with a payment plan, and debt settlement programs do not always have favorable results. In the end, bankruptcy may be the option with the best potential for a reasonable outcome.

It is important to know that bankruptcy does not pick and choose which debts to address. Though some people may have an overwhelming amount of medical debt that exceeds other forms of debt, all liabilities and assets must be disclosed and addressed during the bankruptcy process. This information may also help parties determine which type of bankruptcy they may qualify for.

Consumers typically utilize Chapter 7 or Chapter 13, but the option that suits a particular case depends on the unique factors involved. As a result, Pennsylvania residents with outstanding medical debt may want to find out whether they qualify for either. Finding debt relief through bankruptcy could be life-changing for those who feel overwhelmed.


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