Medical debt relief · Beverly Hills
Medical Debt Relief in Beverly Hills for Hospital and Doctor Bills
Medical debt relief in Beverly Hills through bankruptcy can discharge hospital, doctor, lab and ambulance bills, including old ones sent to collections. If medical bills are piling up after an illness or injury, call (310) 362-9071 for a free consultation in our office or by video.
- Medical bills are usually fully dischargeable
- Collection stops when you file
- Hospital financial help may also be available
- Free consultation in person or by video
Signs bankruptcy may be the answer
- Bills from a hospital stay or surgery are more than you can pay
- Several collection agencies are calling about medical bills
- A provider has sued you
- Medical bills come with credit card debt you used to cover care
- You lost income because of the illness or injury
How we handle medical debt, step by step
- Find every bill. Medical bills come from many places: the hospital, each doctor group, labs, imaging and ambulance companies. We pull your credit report and collection letters to find them all.
- Check financial assistance. California hospitals must offer charity care and discount payment programs to eligible patients. Sometimes that solves the problem without bankruptcy.
- Review liens. If you have an injury claim, a hospital lien may apply to the settlement. We look at how that interacts with your case.
- Pick the chapter. We run the means test and decide between Chapter 7 and Chapter 13.
- File and discharge. Collection stops when we file, and qualifying medical debt is discharged at the end of the case.
Cost and timeline
Our flat fees start at $1,200 plus the court filing fee, with payment plans. You get the exact fee in writing at the consultation.
In Chapter 7, medical debt is usually discharged about four months after filing.
Medical debt in California and Los Angeles
California has its own rules on hospital billing, including required financial assistance policies and limits on aggressive collection for eligible patients. California has also adopted limits on how medical debt can appear on credit reports.
Your bankruptcy is filed in the Los Angeles Division of the U.S. Bankruptcy Court, Central District of California, at 255 East Temple Street. Each medical creditor listed receives notice of the case.
Mistakes to avoid
- Putting medical bills on a credit card. It does not reduce the debt and can cost you hospital discounts.
- Missing a bill. Unlisted creditors can cause problems later.
- Skipping the charity care application. It may reduce or erase hospital bills.
- Ignoring an injury claim. A pending claim is property and must be listed.
Related services
Many clients also used cards to pay for care, so read about credit card debt relief in Beverly Hills. If collectors are calling about old bills, see stop creditor harassment.
Medical debt questions
Can medical bills be discharged in bankruptcy?
Yes, medical bills can almost always be discharged in bankruptcy. They are unsecured debts, like credit cards, and there is no special rule that keeps them alive.
Will filing bankruptcy affect my future medical care?
Filing bankruptcy should not stop emergency care. A private doctor's office may ask for payment up front after you discharge its bill. We help you plan for ongoing care before filing.
Should I apply for hospital financial assistance first?
Yes, it is often worth applying for hospital financial assistance first. If the hospital reduces or forgives the bill, bankruptcy may not be needed at all.
What if my medical debt came from an accident?
If your medical debt came from an accident, you may have an injury claim that should be listed in your case. The claim, any hospital lien and your exemptions all need to be reviewed together.
Free consultation
Get relief from medical bills
Call (310) 362-9071 or send the form. Have recent bills and collection letters ready.
Law Offices of John Asuncion9454 Wilshire Blvd., Penthouse Floor
Beverly Hills, CA 90212
(310) 362-9071
Monday to Friday, 9 a.m. to 6 p.m.