Frequently Asked Questions About Bankruptcy and Debt Relief Solutions in Arizona
In a Chapter 7 bankruptcy, unsecured debts are wiped out. Doctor bills are considered unsecured debt, so if you owe medical bills and file bankruptcy, the doctor will be listed as a creditor on your petition. Even if you intend to pay the medical debt, it must still be listed on the bankruptcy paperwork.
There is always the possibility that your doctor will no longer see you as a patient if you discharge the medical bills owed. The only exception would be the need for emergency care. Federal law prohibits anyone from being denied medical care at an emergency department if they need to be stabilized and treated.
Sometimes the doctor will understand their patient’s financial situation and offer a payment plan option in order for the patient to continue receiving treatment.
Yes! Experts actually recommend that you do get a new credit line to begin rebuilding your credit. There may be limits on what you are eligible for, and you will likely need to start with a secured card, but making timely and consistent payments will have a positive impact on your credit score. It is best to start with a small credit limit, and make just 1-2 purchases each month.
Most bankruptcy attorneys can offer guidance to help you rebuild your credit after filing bankruptcy, and assist with finding a new credit card. Additionally, other debt relief options should be considered including: Arizona Zero Down Bankruptcy, Medical Bankruptcy, Bankruptcy by phone, Debt settlement, and Debt Consolidation.
Am I Required to File a Joint Bankruptcy If I am Married?
Will I Be Required to Complete Credit Counseling?
When does my certificate expire?
Will I Need to Provide a Copy of My Credit Report?
How Do I Find a Free Copy of My Credit Report?