Can I Get Rid of Medical Bills by Filing Chapter 7 or Chapter 13 Bankruptcy in Georgia?

When filing for bankruptcy in Georgia, 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 in Georgia 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 to File Bankruptcy in Georgia

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.


Charles is absolutely a brilliant attorney! He is a critical thinker and determined problem solver. He is very accessible, even via text. If he is in court, his ability to multi-task, you can feel safe and secure in knowing he is handling any issues or concerns. I entrust him with my future, he is a uniquely talented attorney who always challenges himself to achieve the absolute best outcome for his clients.



I was very satisfied with Mr. Clapp services. He is a man of his word and did everything he told me he would. I would highly recommend him.



I came to Mr. Clapp by referral with a complicated case involving both personal and business debts that were out of control. Mr. Clapp evaluated the situation and gave me options that I was not even aware of. He knows his stuff, executed flawlessly, and I have been able to start over. I highly recommend Charles Clapp if you have debt or bankruptcy issues. Listen to his advice, he knows his stuff. I consulted with several other bankruptcy attorneys prior to retaining Mr. Clapp, and they did not have the same breadth of knowledge that Mr. Clapp brought to my case.



I selected Charles Clapp to handle my bankruptcy based on his already positive reviews and I am glad that I did! He was very accommodating to my schedule and made my negative life experience positive. I was actually very surprised how easy he made the process. Life happens and it’s great to be represented by someone that understand that!!! Stop your attorney search with Charles Clapp!!!