Richmond Medical Debt Lawyer
Debt Relief through Bankruptcy
While medical costs may be a fact of everyday life, an unexpected emergency or long-term illness can be financially devastating, especially when your insurance does not cover the full costs of your care. Medical bills are one of the most common reasons Americans go into debt, and, when you should be concerned with healing, creditor harassment can bring additional stress to an already difficult time.
Fortunately, you do have legal options. Flores Law PLLC in Richmond, VA, is ready to help. There is no shame in facing medical debt, and we will always treat you with the care and compassion you deserve.
Call us at (804) 315-0810 for a free phone consultation. Hablamos español.
Creditor Harassment and Medical Debt
Healthcare systems can, and do, sue patients to collect on their medical debts. According to a recent investigation by The Washington Post, the University of Virginia Health System is one of the most notorious and persistent in the country, filing thousands of lawsuits against everyday people to collect on their debts. In many of these cases, they have garnished patients’ wages, seized tax refunds, and filed property liens to collect on debts, interests, and legal costs.
Even if your debt is not from the UVA Health System, medical providers can still pursue legal action against you and collection agencies will do everything possible, including calling you incessantly and sending numerous collection letters, to collect on the debt.
Medical Debt and Your Credit
Medical debts will stay on your credit report for seven years and have an effect on your credit score as soon as it goes to collections. While these debts will come off your credit report, they will not disappear. You are still legally responsible for repaying them. Before a medical debt goes to collection, you may be able to negotiate with your medical provider or schedule a repayment plan. However, this is often incredibly difficult to pay back, especially when your injury or illness prevents you from working or having a steady income.
In these cases, many people may turn to paying off their medical bills with credit cards, which carries high interest rates and may lead to more debt. Missing a credit card payment or being unable to pay the full balance of your credit card bill can further hurt your credit, leading to a seemingly inescapable cycle of debt.
Finding a Brighter Future through Bankruptcy
Both Chapter 7 and Chapter 13 offer individuals a legal means to reduce and repay their debts, either by selling off some assets or creating a repayment plan that allows the medical debt to be paid off within 3 to 5 years. Which chapter of bankruptcy is right for you depends on your unique situation; the amount of your debt; and the amount of income, equity, and property you have. If you are considering filing for bankruptcy to get out from under your medical debt, it is important that you work with an experienced lawyer.
Focused on Getting You through Tough Times
Flores Law PLLC understands what you are going through. We can guide you through the entire process, working with you and your family to repay what you owe in a way that protects your financial future. Whether you qualify for Chapter 7 or if you have an income and can repay your medical debts through a Chapter 13 plan, our compassionate attorney will take the time to get to know you and help you find a brighter financial future.
To discuss your medical debts, call (804) 315-0810 for a free phone consultation. You can also contact us online to schedule an in-person appointment.
Discover personal financial recovery when you work with us. Stephen Flores is an attorney that puts his clients FIRST. He will be there with you every step of the way. Contact us for a free phone consultation today.
Real people. Real reviews.Opinions That Matter.
“He's the best professional I've seen, everything went perfect in our process thanks to Flores team. I'm definitely asking them for help if any legal representation is needed in the future.”— Jerry R.
“Flores Law provided excellent sevice for my Bankruptcy case. Lawyer Stephen Flores took the time to explain in detail all my options, the steps involved, and the likely outcome for each option. I am very glad I chose Flores Law.”— Kathleen P.
“Flores Law helped me with my bankruptcy, they were very helpful with answering my questions. They called to check to see if there was anything I needed. They are very professional and I would recommend them to anyone that needed a bankruptcy lawyer.”— Hope P.
Why Choose uS?
We are with you throughout the process
We take a personal approach to every case
We offer legal service in English or Spanish
We offer free initial phone consultations