St. Louis Hospital And Medical Debt Lawyers Advocate For Your Rights
Hospital bills and medical expenses can cause financial problems for any individual or family. Medical expenses can cause debt collectors and collection companies to contact you long after the hospital bill or medical expense arises. You have options in how to handle these medical expenses.
At the Law Office of Kenneth P. Carp, we understand the fears and worries associated with overwhelming debt from medical bills and work diligently to offer relief to clients throughout the St. Louis area, our attorney provides detailed representation in bankruptcy to get you the help you deserve.
Some hospitals and medical provides will work out a payment plan with you. However, just mailing them $5 a month does not mean they can’t or won’t call you. Especially if your account is being handled by a debt collector or collection company who usually gets paid based on how much you send them. Some hospitals have grants or programs to help you pay your hospital bills. Others will help you apply for government benefits if they think you qualify.
Whether a lawsuit has been filed or your account has been turned over to a collection company, hospital bills and medical expenses can cause stress for you and your family. For some of you a chapter 7 or chapter 13 bankruptcy is an option to consider. A bankruptcy may allow qualified individuals to have their hospital bills or medical expense discharged or reorganized by the bankruptcy court.
In considering a bankruptcy, all of your bills are looked at and the bankruptcy can discharge credit cards bills, balances from previous foreclosures or repossessions as well as medical expenses and hospital bills.
The law office of Law Office of Kenneth P. Carp has been filing bankruptcies for twenty years and would be more than happy to meet with you to discuss your options.
If you are being contacted by a debt collector or collection company, there is a federal law which guarantees you certain rights. Debt collectors can be aggressive in their collection efforts since they are generally paid based on how much you pay. When debt collectors violate your rights under federal law they may be subject to fines and penalties.
If you have been served with a lawsuit, you have a limited time to respond. Without a timely response to a lawsuit you can have a judgment taken against you which could eventually result in a garnishment or lien on your property. If a judgment is taken, your pay can be garnished and property can be taken to satisfy the judgment. If a bankruptcy is right for you, the day the bankruptcy is filed, collections efforts including garnishment of your check stops.
Although some hospital bill problems can be resolved without filing a bankruptcy, a bankruptcy is designed to help people get a fresh start with a chapter 7 bankruptcy or time breathe in a chapter 13 bankruptcy which allows individuals to reorganize and catch up on their bills. Either bankruptcy will work with more than medical bills.
Call Law Office of Kenneth P. Carp today to discuss how to get debt relief from Hospital and Medical bills. We are here to help you. (636) 947-3600.
We are a debt relief agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code.
The lawyers at the Law Office of Kenneth P. Carp offer extensive Bankruptcy experience to people throughout St. Louis and the surrounding areas.