Can I get rid of Medical Bills by Filing Chapter 7 or Chapter 13 Bankruptcy in Georgia?

When filing for bankruptcy, you have the ability to separate your unsecured debts into two categories: priority, and nonpriority. Medical bills are typically classified as nonpriority unsecured debts, which means they are able to be wiped out by filing for bankruptcy.

 

Should I File a Chapter 7 or Chapter 13 Bankruptcy to eliminate Medical Bills?

Both Chapter 7 and Chapter 13 bankruptcy can eliminate medical debts. The type of bankruptcy that you’ll have to file depends largely on your situation and which chapter you qualify for.

Filing for Chapter 7 Bankruptcy

If you file for Chapter 7 bankruptcy, you will be able to discharge your medical bills as well as many of your general unsecured debts. There are no limits on the amount of medical debt that can be discharged when filing for Chapter 7 bankruptcy, but in order to qualify your income must pass the Chapter 7 means test.

Filing for Chapter 13 Bankruptcy

If you file for Chapter 13 bankruptcy, your medical bills will be consolidated with your general unsecured debts in your repayment plan. The amount you’ll have to pay will depend on your income, expenses, and nonexempt assets.

Next, your creditors will receive a pro rata portion of the total that’s going toward the debts. In order to file for Chapter 13, you must earn enough income to pay the bills, and your debts must not exceed the Chapter 13 limits.

Contact a Bankruptcy Lawyer Today

If you’re considering filing bankruptcy and would like to learn more about Chapter 7 or Chapter 13 bankruptcy, contact an attorney at CMC Law today. We will help you decide what decision is best for you based on your financial situation.

You can learn more about your options by consulting with a bankruptcy attorney or by checking out more on Chapter 7 and Chapter 13 Bankruptcy. Or, start by finding out about the steps involved in bankruptcy once you decide to file.

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