When you are sick, you focus on getting the medical treatment you need to get better. This is exactly what you should be concerned with at that time. But once you recover, you may be left to deal with medical debt that makes you feel worse when you should be feeling better. Medical debt can come on quickly and often far exceeds what most individuals can afford. Medical debt is also one of the most common debts sent to collection. Collection starts with phone calls and letters but usually leads all too quickly to lawsuits, judgments, and garnishments. Additionally, and even longer lasting, medical collections accounts are negatively reported to the credit bureaus, and the damage they do to your credit can be very harmful for a very long time.
Bankruptcy can address these medical debts and stop the negative credit reporting once and for all. At O’Bryan Law Offices, we file Chapter 7 and Chapter 13 bankruptcies. Depending on your specific situation, we can determine which Chapter provides an effective and affordable treatment for the suffering health of your credit. If you are interested in learning about your options through bankruptcy, make an appointment to speak with one of the experienced bankruptcy attorneys at O’Bryan Law Offices today. We can also counsel you on how to dispute medical collections on your credit report. Call us today at 502-339-0222 for a free bankruptcy consultation.
