Medical Bills Shouldn’t Break You

Relief from Crushing Medical Debt

Unexpected medical expenses can pile up fast—and when insurance falls short, it’s easy to drown in bills. Bankruptcy might offer a way out. We’ll help you understand your options and take the weight off your shoulders.

Find Out What’s Possible

Helping You Breathe Again

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Explain Your Options Clearly

We break down when medical debt can be erased through Chapter 7 or restructured through Chapter 13 bankruptcy.



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Protect Your Income
Medical debt shouldn’t cost you your paycheck or savings. We’ll fight to protect your assets and get you relief.

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Stop the Collections

Filing bankruptcy triggers the automatic stay, stopping harassing calls, collection lawsuits, and wage garnishments tied to medical debt.

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Stay by Your Side

Questions come up. Life happens. We stay available from start to finish to make sure you’re never stuck figuring things out alone.

You’re Not Alone in This

Medical Bankruptcy Basics You Should Know

Medical debt is one of the top reasons people file bankruptcy in the U.S. It's overwhelming, unexpected, and often unavoidable—even with insurance.


Both Chapter 7 and Chapter 13 can address medical debt. The best choice depends on your income, assets, and goals. Either way, you deserve a solution that lets you move forward.

Key Components

  • Qualifying for Chapter 7

    If your income falls below certain thresholds, Chapter 7 bankruptcy can discharge (erase) most or all of your unsecured medical debt. This offers a true clean slate—no repayment required for eligible debts once your case is complete.

  • Restructuring Under Chapter 13

    If you don’t qualify for Chapter 7 or have other assets you want to protect, Chapter 13 lets you create a manageable repayment plan. Medical debt is grouped with other unsecured debts and may be reduced or even eliminated after repayment ends.

  • Protecting Assets & Income

    Bankruptcy protections can shield essential assets like your home, car, and wages from aggressive medical creditors. We’ll help you understand what’s protected and how to maximize those protections while seeking debt relief.

Medical Debt FAQs

  • Can medical bills really be wiped out in bankruptcy?

    Yes. Medical bills are usually classified as unsecured debt—just like credit card balances. That means they can be wiped out (discharged) through Chapter 7 bankruptcy or significantly reduced through Chapter 13. We’ll review your situation and recommend the best path forward.

  • Do I have to include all my debts if I file?

    Yes. When you file for bankruptcy, you’re required to disclose all of your debts—not just medical bills. However, you can still prioritize which ones you want to repay if you're using Chapter 13. We’ll help you navigate that process strategically.

  • Will filing bankruptcy stop medical debt collectors?

    Absolutely. The moment your bankruptcy case is filed, the automatic stay legally stops all collection actions—phone calls, lawsuits, wage garnishments, and threats of repossession included. Creditors can’t keep contacting you once protected.

  • Can filing bankruptcy affect my ability to get future medical care?

    No. Healthcare providers cannot deny you future treatment because you filed for bankruptcy. Medical bankruptcy affects your debt obligations—not your right to access healthcare services when you need them.

  • What happens if I rack up new medical bills after filing?

    Debts incurred after you file are not covered by your existing bankruptcy case. If you expect ongoing medical expenses, we’ll talk through strategies to make sure you’re covered, and help you plan for financial stability moving forward.