Medical debt is dischargeable in bankruptcy, both in chapter 7 and chapter 13 cases.
Although medical debt is dischargeable in your bankruptcy, in Minnesota if you are married your spouse may share liability on your medical bills. If you are legally married and living with your spouse when your medical debt is incurred, your spouse can be held liable for your medical debt. A lot of medical creditors do not choose to abide by this and will just write off your medical debt when you file. That being said, it is something to think about if you are deciding if you and your spouse should both file bankruptcy.
You may be wondering if you can still go to the same clinic or hospital you listed as a creditor in your bankruptcy. You cannot be denied emergency services, just because you filed bankruptcy. But there is no law stating that your medical providers need to continue servicing you, if you file bankruptcy on a debt owed to them. In my experience, it is sometimes smaller clinics who will discontinue services if you file on their debt. If you have any questions this, you should speak with an attorney.
You cannot pick and choose who to list in your bankruptcy and who to leave off. Therefore, even if you have a close family friend who is your doctor, if you owe them, you need to list them. Even if you wish to voluntarily continue to pay on the debt after bankruptcy, you need to still list the creditors you owe.
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If you have medical debt and are ready to discuss filing a bankruptcy and getting your life back, visit www.lifebacklaw.com to speak with an attorney today. You will be glad you did!
