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medical bills

Even with insurance, it is frighteningly easy to run up very large medical bills if someone in your family has a serious injury or illness. While medical care providers used to be flexible about accepting monthly payments that the patients could afford, that no longer is the case. Many people find themselves up against lawsuits and garnishments for medical bills that they could not avoid, yet cannot afford to pay as quickly as the medical provider dictates. Here are some ways TBC has helped clients put their medical debts behind them. Their names have been changed, but their situations were absolutely real.

Michael & Mindy's Story
Fran's Story
Carl & Mary's Story
Bobby & Meredith's Story
Rich & Sophie's Story

Michael & Mindy’s Problem:
Michael & Mindy lost their daughter after a seven-year battle with cancer. They were left with tens of thousands of dollars in past-due medical bills. In order to have the flexibility to stay home with their terminally ill child, Michael & Mindy had started their own business, which unfortunately failed, leaving them with over $100,000 in additional debt.

TBC’s Solution:
Since all of their debt was unsecured (there was no collateral involved), Michael & Mindy were able to file a Chapter 7 bankruptcy and eliminate all of it, allowing them to move on with their lives.

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Fran’s Problem:
Fran’s Problem: Fran had a medical condition that kept her off of work for an extended period of time. As a result, she fell behind on her house payments. When she was finally able to return to work, she was so far behind on these payments that she could not catch up, and the bank began to foreclose on the house. In addition, she was burdened with about $20,000.00 in medical bills.

TBC’s Solution:
Fran came in to see a TBC attorney just 11 days before her house was to be sold on foreclosure. She retained us and brought in all of the necessary documents on the next day, and her Chapter 13 case was filed a few days later, stopping the foreclosure and wiping out her medical bills. She paid $475 per month for 4 years, to bring her house payments current. Her children agreed to help her with her ongoing monthly mortgage payment.

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Carl & Mary’s Problem:
Mary had been diagnosed with a life-threatening illness and was unable to work while receiving medical treatment.  Down to one income, Carl & Mary were not able to keep up with all of their bills.  They did not want to file bankruptcy, so Carl & Mary decided to work with a debt consolidation company instead. After working with the debt consolidation company for over a year, the couple realized that debt consolidation was not a solution to their problems, as they were still constantly being harassed by the creditors with whom the debt consolidation company claimed to be working. They had paid almost $10,000 to the debt consolidation company, with no indication that their creditors had received anything. After the debt consolidation payment was made each month, Carl & Mary had no money left for co-pays or prescription costs, so Mary had to stop seeing her doctor and receiving treatments.

TBC’s Solution:
Carl & Mary came to TBC, and their attorney determined that a Chapter 13 Bankruptcy would cost significantly less per month than their debt consolidation payments. In addition, the bankruptcy stopped the creditor harassment immediately, and they were able to pay for Mary’s necessary medical expenses again.

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Bobby & Meredith’s Problem:
Bobby and Meredith were elderly and both living on social security. Meredith wanted to retire, but was unable to do so due to her medical bills and credit card debt of about $25,000.  They were current with their mortgage, and their cars were older, but paid for.

TBC’s Solution:
Bobby & Meredith’s TBC attorney determined that their property and their cars would not be affected in a Chapter 7 bankruptcy.  They used their tax return money to file a Chapter 7 Bankruptcy through TBC, and eliminated all of their credit card and medical bills.  They signed a reaffirmation agreement with their mortgage company, so that their house would not be affected by the bankruptcy, as they were able to stay current on their mortgage payments.

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Rich & Sophie’s Problem:
Rich and Sophie were middle-aged.  Rich had been out of work for some time due to health problems. The couple had over $45,000.00 in medical and credit card bills that they were unable to pay, even when Rich returned to work.  They do not own a house, and they have paid off their 10-year-old car.

TBC’s Solution:
Rich & Sophie paid $100 to retain their TBC attorney.  The couple could then refer all of their creditor phone calls to TBC, who would explain that Rich and Sophie were going to file bankruptcy soon.  This took the stress of the creditor harassment off of Rich and Sophie during the time they were making monthly payments to TBC.  Once their retainer was paid in full, TBC filed a Chapter 7 bankruptcy for them, discharging all of their debts.

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