Credit Card Debt and Medical Bills Can Be Discharged

If you are currently overwhelmed with debt from medical bills or credit cards, it’s important to know what you can do for help. Many people are unaware that credit card debt and medical bills can still qualify as debt that can be discharged through bankruptcy. Recent changes to the U.S. Bankruptcy Code in 2005 have left many people confused about their rights and options when filing for a Chapter 7 bankruptcy.

If you have questions about your bankruptcy options and rights, the offices of Theron D. Morrison can help. Contact us to schedule a free initial consultation with a qualified bankruptcy lawyer at one of our offices in Ogden, Orem, Logan, or Sandy, Utah.

Credit Card Debts

Filing a Chapter 7 bankruptcy can possibly allow you to completely eliminate your credit card debt. If you aren’t eligible to file for a Chapter 7 bankruptcy, keep in mind that filing for a Chapter 13 bankruptcy is another option.

When you file for a Chapter 13 bankruptcy, you complete a process called a debt repayment plan, which allows you to pay off portions of your debt over time. Filing for a Chapter 13 bankruptcy may allow you to only be required to pay portions of your credit card debt and avoid late penalties and fines. Portions of your credit card debt may be discharged through a Chapter 13 bankruptcy.

Medical Bills

When you are dealing with overwhelming medical bills, chances are that you are also dealing with a serious injury or illness that hinders your ability to work. Even if your ability to work has not been impaired, the weight of your medical bills can be financially crippling.

Filing a Chapter 7 bankruptcy can allow you to discharge your medical bills. When you work with our bankruptcy firm, you can count on having efficient service and knowledgeable help throughout your entire bankruptcy process.

Contact Us

To find out more about your legal rights and your options for bankruptcy, contact our experienced Utah bankruptcy lawyers.