All medical debt is fully dischargeable, in both Chapter 7 Bankruptcy<\/a> and Chapter 13 Bankruptcy<\/a> proceedings. <\/p>\n When someone is struggling to pay off medical bills, my heart goes out to them. This is a burden that truly no one asks for, and our country\u2019s for-profit health insurance systemcauses some patients to take on completely unexpected five and even six figure debtamounts, for a necessity they had no choice or bargaining power over.<\/p>\n It is essential to gauge the timing of your bankruptcy filing if you still are dealingwith recurring medical issues. Filing for bankruptcy too early could leave you with more high medical bills that accrue after you have already received your discharge from your debts.<\/p>\n Conversely, waiting too long to petition the court for bankruptcy relief could cause you to be sued by a medical creditor, or debt collector. I will counsel you with thisconsideration top of mind.<\/p>\n Last, it is important to be aware that medical creditors commonly do not report tocredit bureaus. This means you will not see these debts when reviewing your creditreport (which my office pulls for you). I will need to obtain the info on these medicalcreditors directly from you.<\/p>\n