I Want to File a Medical Bankruptcy

The high cost of health care is one of three primary causes of individual bankruptcy.  Frequently, people are left with unaffordable medical bills even if they have health insurance.  We get lots of inquiries about  “medical bankruptcy“.  But you can file bankruptcy just for medical debt.

There really is no such thing as a “medical bankruptcy“.  People think there is because they want to get rid of their medical debts in bankruptcy, yet keep their house and car payments.  This is a misunderstanding.

Most consumer bankruptcies discharge all unsecured debt such as medical bills and credit cards so it may seem like a medical bankruptcy.  But, all creditors must be listed as creditors on the bankruptcy paperwork and notified of the bankruptcy filing.  The house and car lender must know about the bankruptcy and those loans must be paid to keep the house and car.

About Jill Michaux

Jill Michaux is a Kansas bankruptcy attorney with Neis Michaux Law Office. She and her partner, Mark Neis, are Topeka's only consumer bankruptcy law specialists. They are board certified by the American Board of Certification.

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