FREE Debt Relief Consultation Call (614) 523-3106 or (877) 505-9455

Sheppard Law Offices

Like Sheppard Law Offices, facebook page of Attorney Kenneth Sheppard Jr. With Bankrupcy filing offices in Newark, Mt Vernon, and Columbus, Ohio View the Ohio Bankruptcy and Taxation Law Offices of Attorney Kenneth Sheppard Jr. on LinkedinVisit the profile of Attorney Kenneth Sheppard Jr. Follow Ohio Bankruptcy and Taxation Attorney Kenneth Sheppard Jr.
Columbus Ohio Bankruptcy Lawyers, Sheppard Law Offices Co., L.P.A. BBB Business Review

Medical Debt and Filing For Bankruptcy in Ohio



Hospital and Other Medical Bills Can Pile Up


The cost of hospital and other medical bills can add up and quickly become overwhelming. Columbus, Ohio bankruptcies frequently result from the high costs associated with medical bills related to an unexpected injury, illness, lack of health insurance, denial of medical claims by a health insurance company, or waiting for a settlement from an injury. Some options in handling past due medical bills include negotiating a debt settlement, setting up a payment plan, and filing bankruptcy.


Negotiating a Settlement with Health Care Providers

Often health care providers will accept a discounted amount in order to pay for the medical services in full. The amount of reduction that they will accept varies from provider to provider. The medical billing company typically will accept cash or check payment as well as credit card payment. The settlement option can prove to be a difficult task for most, since it can require either coming up with a large sum of money or paying by credit card, thus seriously increasing credit card debt.


Setting up a Payment Plan with Health Care Providers

If you are having difficulty coming up with the money to cover medical expenses, many health care providers will allow you to schedule to make payments for the medical debt.


Financial and Medical Assistance Programs

Ohio Hospitals and many health care services have plans available whereby they assist low income individuals and families. Qualification for many of these assistance programs requires applicants to meet federal poverty income guidelines based on their Federal Poverty Level.


Filing Bankruptcy to Wipe Out Medical Bills

Upon filing for bankruptcy the automatic stay provision goes into effect, therefore your medical providers, their billing companies, and their collection agents will be prohibited from continuing to pursue any collection activities against you.


Filing bankruptcy stops the Medical Bill Collectors From Calling

The act of filing for Ohio Bankruptcy will end the aggressive tactics and harassing phone calls from medical bill collectors. Upon filing for bankruptcy the automatic stay provision goes into effect, therefore your medical providers, their billing companies, and their collection agents will be prohibited from continuing to pursue any collection activities against you.


Filing Bankruptcy Will Wipe Out Medical Bills, Along With Your Other Unsecured Debts

Because medical bills are considered non-priority unsecured debts, they are classed with credit cards and other unsecured debts, and therefore will be discharged through the bankruptcy. If you are filing for an Ohio Chapter 7 Bankruptcy, these overwhelming medical bills will be erased along with the other unsecured debt when the bankruptcy is discharged. In an Ohio Chapter 13 Bankruptcy medical bills are included within the repayment plan, and will be discharged at the end of your scheduled repayment period, typically at a fraction of the cost.


Whether you are considering bankruptcy alternatives such as debt settlement, payment plans, seeking income based assistance, or filing bankruptcy to erase medical bills, the Columbus Ohio bankruptcy Attorneys at Sheppard Law Offices can provide you with the support and assistance you need to put you on the appropriate financial track. Call (614) 523-3106 today to schedule a free Columbus, Ohio Bankruptcy and Debt Relief consultation.



BankruptcyBankruptcy OverviewChapter 7Chapter 13Bankruptcy FAQ'sAbout Sheppard LawAbout UsContact UsOur AttorneysKen Sheppard, Jr.TJ Archer Our StaffOur OfficesColumbusNewarkMount VernonCantonBankruptcy AlternativesDebt Relief OverviewForeclosure DefenseDebt SettlementDebt Relief FAQ'sTax ProblemsIRS Tax DebtState Of Ohio Tax Debt Non-filed Ohio Taxes Tax Return PreparationBlog & MoreVisit Our Blog What to Expect Homestead Exemption Vehicle ExemptionsResources IRS Tax LawyerOhio Tax LawyerIncome Tax PreparationOnline Payment Portal


Click Here to Call the Columbus Ohio Bankruptcy Lawyers, we help those facing debt problems to file chapter 7 or chapter 13 bankruptcy FREE15 Minute Phone Bankruptcy Consultation with attorney (614) 523-3106



Debt Help News Mailing List

Sheppard Law Offices - Columbus

Sheppard Law Offices

The Columbus, Ohio bankruptcy debt relief and taxation law office of Sheppard Law Offices, LPA is conveniently located just inside I-270 off of Cleveland Ave. Our offices provide a short drive from throughout Central Ohio including counties of Franklin, Delaware, Knox, Marion, Licking, & Fairfield. We regularly serve  Debt  & Tax needs of clients from  Columbus, Westerville, Bexley, Dublin, Sunbury, Delaware, Fredericktown, Johnstown, Centerberg, New Albany, Gahanna, Pickerington, Grandview, Upper Arlington, Clintonville, Groveport, Pickerington, Pataskala, Reynoldsburg, Groveport, Lewis Center, Worthington, Granville, the Short North, Hilliard, Plain City, Grove City, Newark, Mt. Vernon, Canal Winchester, and Lancaster.

Columbus Ohio Office

2600 Tiller Lane, Suite A

Columbus, Ohio 43231

Telephone: (614) 523-3106

Newark, Ohio Office

843 N. 21st Street, Suite 108

Newark, Ohio 43055

Telephone: (740) 345-7138

Akron-Canton Office

Belden Village Tower, 200

Canton, Ohio 44718

Telephone: (330) 409-2876

Mt. Vernon, Ohio Office

11 West Gambier Street

Mt. Vernon, Ohio 43050

Telephone: (740) 392-0404

© Copyright Sheppard Law Offices. All Rights Reserved.      Home  Contact                                                           Web Marketing

We are a debt relief agency. We help people file for protection under the U.S. Bankruptcy Code.