Are You Medically Bankrupt?

Have medical issues caused you financial problems? Medical problems can result in medical bills and lost time from work. Some people are faced with choosing between prescriptions and caring for their family. They avoid seeing doctors because they cannot afford the co-pay or do not have insurance.

Though certain medical providers have to provide some medical care even if you do not have insurance or money to pay, that care may not cover preventative or everyday health care. Just having insurance may not be enough if you cannot pay the deductible or your co-pays. I often see people who have put a second mortgage on their home or charged their health care and cannot make the monthly payments.

Based upon a study in 2007, at least 62.1% of those families will have been forced to file for protection under the bankruptcy code because of illness, medical bills, and lost time due to illness. If you cannot pay for your medical bills, you should contact your doctor's billing office to see what payment options they may offer. Hospitals have programs that may offer discounted care or care for no fee. The Health Care Access Office (722-9650) at the Lake Superior Community Health Center may be able to help you with obtaining applying for public health insurance, past medical bills, housing, employment, and access to specialty medical needs.

If you have already tried those options or have other debts and need to determine if bankruptcy is the right solution for you, you should contact a bankruptcy attorney. Most bankruptcy attorneys will meet with you for an initial consultation at no charge. Keep in mind that the sooner you meet with a bankruptcy attorney to discuss your options, the better off you will be. You will find out which decisions can jeopardize what options are available to you.

Call Today: 218-260-4341 or (Toll Free) 888-815-5046

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Duluth Law Office of Yvonne Michaud Novak Bankruptcy Video