Jump to navigation Jump to content

Bankruptcy and Continuing Medical Care

Blog Category:
Comments (0)

When considering filing for bankruptcy there are a number of factors to evaluate. Many of our clients are facing serious financial and emotional losses, perhaps even including foreclosure of a home or repossession of a vehicle. We can help with these issues and many others. When you file a bankruptcy petition creditors are not permitted to keep contacting you for payment. Now, there are some exceptions; for example, if you want to keep your house you may find it easiest to discuss small matters (like a payment address or a change in escrow accounts) directly with your lender. If you would like to do this we can discuss this and fill out the proper paperwork to allow that type of communication.

Though there are exceptions, the general rule is that your creditors cannot continue to contact you after you file for bankruptcy. This protection is called the "automatic stay". However, you should know that this protection has limitations. While the creditor cannot try to obtain payment from you or contact you regarding payment, the creditor does not have to continue to do business with you in the future. In most cases credit card companies will close accounts of cardholders that file for bankruptcy.

Where this can be particularly troublesome is when your doctor or hospital is listed as a creditor. We have many clients, both with and without medical insurance, that owe their doctor or hospital money. This can range from a small copay to thousands of dollars for medical care. Once you file bankruptcy your doctor or hospital does not have to continue to provide you with services. Of course, there are exceptions if you require emergency care as medical professionals are required to provide anyone needing emergency care with services, regardless of ability to pay or other considerations. However, the provider would only have to stabilize you and then could refer you to another provider.

We know this sounds a bit scary, but there are various options available. If the amount owed is very small, and you can afford it, you may be able to pay the amount prior to filing for bankruptcy and not be required to list your doctor or provider as a creditor. Please note, that it is absolutely imperative that you speak with us before doing this, as certain types and amounts of payments prior to a bankruptcy can be considered fraudulent and will complicate your bankruptcy. If payment is not an option you may be able to contact your provider and explain the situation to find out their policy in advance. You may also choose to voluntarily repay the debt. The doctor cannot ask for that, or require it, but in some cases doctors have accepted the payments and continued treatment. Finally, if these solutions will not work, we can talk about different bankruptcy options that involve repayment of creditors.

If you have questions about this, or any other matter, please contact your St. Louis Bankruptcy Attorney today!

Category: Bankruptcy

1 Comments to "Bankruptcy and Continuing Medical Care"

What’s even more frustrating is when they discover that the transferred asset would have been exempt in their possession but cannot be exempted in the hands of others. Visit http://www.sandiegobk.com/ for getting information about bankruptcy attorney san diego
Posted by Bankruptcy Attorney San Diego on August 11, 2014 at 12:06 AM

Post a comment

Post a Comment to "Bankruptcy and Continuing Medical Care"

To reply to this message, enter your reply in the box labeled "Message", hit "Post Message."


Email:* (will not be published)


Notify me of follow-up comments via email.

For Current Clients

Our Locations

St. Charles Office

1861 Sherman Drive
St Charles, MO 63303
Phone: 636-916-5400

At Hwy 94 and Hwy 70.

Get Directions | See Detail

St. Louis Office

3470 Hampton Ave, Suite 101
St. Louis, MO 63109
Phone: 314-353-0834

Close to the corner of Hampton Ave and Chippewa. By appointment only.

Get Directions | See Detail

South & Jefferson County office

7321 S. Lindbergh Ave., Suite 222
St. Louis, MO 63125
Phone: 636-916-5400

Across the South County Mall.

Get Directions | See Detail

Florissant Office (North County)

1281 Graham Rd, Suite 300
Florissant, MO 63031
Phone: 314-921-1880

At North Hanley and Hwy 270.

Get Directions | See Detail

Belleville Office (St. Clair county)

2 Park Place Professional Centre
Belleville, Illinois 62226
Phone: 618-977-9560

On Hwy 159, next to Schnucks.

Get Directions

Granite City Office (Madison County)

3600 Nameoki Rd, Suite 201
Granite City, IL 62040
Phone: 618-977-9560

Across Shop'n Save, by appointment only.

Get Directions | See Detail

Follow Us On