Seeking Relief To Unexpected Medical Debt

The accumulation of medical debt can be both frustrating and startling. A sudden medical emergency of yourself, your spouse, your child or more may cause you to take on overwhelming debt. When unpaid bills become insurmountable, you need skilled legal guidance to consider your options.

At O'Bryan Law Offices, our attorneys assist individuals and families across Kentucky and Southern Indiana to overcome their debts and move forward. With over 50 years of combined experience, our lawyers provide a compassionate approach to explore your options.

Medical Debt Can Quickly Accumulate

Medical debt can quickly accumulate after a wide array of unprecedented events, including:

  • An unexpected diagnosis
  • A catastrophic accident
  • Expensive prescription drugs
  • A costly routine medical procedure
  • A necessary surgery

A car accident, fall on the playground or diagnosis of a serious illness can leave you with no choice but to accept treatment. When you lack the means to pay back the debt, hospital bills can quickly add up.

Determining Whether Bankruptcy Is Right For You

Filing for bankruptcy is not always appropriate. We will discuss when it could be in your best interests to determine a payment plan with the care provider, stick to a rigid budget or consider other options.

However, in many cases, filing for Chapter 7 or Chapter 13 bankruptcy can provide the relief you need. Chapter 7, a common type of bankruptcy for individuals, can discharge you from your unsecured debts, which typically includes medical debt. Chapter 13, a common option for those with income and assets they wish to protect, can reduce unsecured debts and form a court-approved extended payment plan.

Why Work With An Attorney To Eliminate Medical Debt

Juggling medical debt can leave you unable to pay other essential expenses and lead to constant harassing calls from creditors. When you meet with our attorneys, we understand the financial strain you are experiencing. Led by board-certified founding attorney Julie O'Bryan, our family-based firm takes a team approach to your case. We offer sound, thorough guidance throughout a turbulent time.

Speak With An Experienced Lawyer

After a medical emergency, it can be stressful to also manage overwhelming debt. Consult with our lawyers to determine your options at our Louisville, Frankfort or New Albany offices. Schedule a free initial consultation with us by calling 502-400-4020 or by sending us an email.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.