Los Angeles Medical Debt Relief Attorneys

Providing Bankruptcy Solutions for Medical Bill Freedom in California

Your health is important, and you must do whatever you can to protect it. Sometimes, that means incurring substantial debt in order to get the proper treatment. Health insurance may only pay a small portion of the amount due, leaving you with a mountain of debt.

Yes, healthcare providers or their collection agencies may take legal action to recover unpaid medical bills. It's crucial to address these matters promptly and, if possible, seek legal advice from our medical bill lawyers in Los Angeles.

It may surprise you to learn that next to credit card bills, medical expenses are one of the leading causes of bankruptcy. At RHM LAW LLP, our Los Angeles debt relief attorneys can help you develop a plan for your unpaid medical bills. We can help you file either Chapter 7 or Chapter 13 bankruptcy, giving you a chance to get back on your feet again. When you need an medical bill dispute attorney you can count on, turn to our L.A. medical bankruptcy lawyers at RHM LAW LLP.

You have the right to dispute any inaccuracies or unfair charges on your medical bill. Contact the healthcare provider's billing department and request an itemized bill to review the charges.

To learn how we can help you eliminate all your past medical bills, call (213) 344-0043 and schedule your 30-minute risk-free consultation with our medical debt attorney in Los Angeles. 

Chapter 7 Bankruptcy and Medical Debt

Whether you were struck with a sudden illness, your medical coverage lapsed due to a job loss, or you needed a medical procedure that was not covered by insurance, you have options for taking care of medical debt. When you file Chapter 7 bankruptcy, most medical bills will be completely eliminated. With Chapter 13 bankruptcy, you will pay what you can afford over three to five years. At the end of the designated timeframe, any remaining medical debt is discharged. Your medical bill dispute lawyer can help you find the right bankruptcy option for you.

Understanding the Medical Debt Relief Process

The medical debt relief process begins by assessing your current financial situation. This includes evaluating your total amount of debt, income, and expenses to understand your ability to repay. A legal professional can help you review your bills for any errors or inflated charges, which are common in medical billing. Hospitals and healthcare providers sometimes bill patients for procedures they did not obtain or services that should have been covered by insurance.

Once the accuracy of your debt has been confirmed, there are several potential strategies for handling medical debt, including:

• Negotiating with medical providers: Many hospitals and medical facilities are willing to negotiate the amount owed. We can negotiate directly with the provider to reduce your bill or set up a manageable payment plan.
• Debt consolidation: If you have multiple medical expenses, consolidating them into a single loan can simplify your payments and decrease interest rates, making it easier to pay down your debt over time.
• Filing for bankruptcy: For individuals who are struggling with extensive medical debt and other financial obligations, bankruptcy may be the most viable option. Depending on your circumstances, filing for Chapter 7 or Chapter 13 bankruptcy could either discharge or reorganize your medical debt.
• Utilizing medical debt forgiveness programs: Some hospitals and healthcare systems offer medical debt forgiveness or charity care programs. These programs provide financial assistance for qualifying patients who meet certain income or hardship criteria.

Each medical debt relief option has its own benefits and challenges. Working with our experienced medical debt attorney ensures that you choose the most effective strategy for your needs and receive guidance through every step of the process.

How Our Medical Debt Attorney Can Help You

Here’s how we can help you:

• Evaluate your medical debt: We’ll conduct a thorough review of your medical bills, insurance payments, and financial situation to identify errors or inconsistencies that could reduce your total debt.
• Negotiate with creditors: We’ll handle negotiations with healthcare providers, collection agencies, and hospitals to lower your outstanding balance, waive certain fees, or create a repayment plan that fits your budget.
• Explore debt consolidation: If you’re facing multiple medical bills, we’ll help you explore consolidation options to streamline your payments and potentially reduce interest rates.
• Advise on bankruptcy options: We’ll evaluate whether bankruptcy is a feasible solution for your medical debt and other financial challenges. If it is, we’ll guide you through the Chapter 7 or Chapter 13 bankruptcy process, ensuring that you meet all legal requirements.
• Help stop collection actions: If your medical debt has been sent to collections, we can take immediate action to halt aggressive collection practices like wage garnishment, lawsuits, or liens against your property.
• Provide ongoing support: Dealing with medical debt can be stressful and overwhelming. We’ll be by your side throughout the entire process, offering ongoing legal advice and helping you make informed decisions about your financial future.

Contact Our Medical Debt Attorney in Los Angeles Today

Hospitals, clinics, and other health care providers are focused on collecting payment. In addition to calling you and sending threatening letters, they can file a lawsuit with the goal of obtaining a judgment against you. A judgment may allow them to garnish your wages, freeze your bank accounts, and more.

Take the first step toward financial recovery by contacting our Los Angeles medical debt relief lawyers at our offices in L.A. or Encino. Many good people are struggling with medical expenses. You are not alone. We can help you get rid of medical debt.

Contact our Los Angeles medical debt lawyers for a free medical debt consultation for your convenience, we offer payment plans. Spanish language services are available.