Discharging Unsecured Debts Under Chapter 7
Some clients inquire about filing a "medical bankruptcy." Others need convincing that they can actually walk away from large credit card balances. Our bankruptcy lawyers can give you the facts and answers for your specific situation.
Mahaffey & Associates, LLC, has helped hundreds of clients in northwest Ohio discharge overwhelming debts and start fresh. Whatever led to your debt problems, filing for bankruptcy can wipe the slate clean and stop creditor actions.
Bankruptcy For Medical Bills
Hospitalization, surgery and ongoing medical care can add up to tens of thousands of dollars. When these expenses are not covered or not fully covered by insurance, families quickly become swamped with debt.
Chapter 7 bankruptcy can eliminate unsecured debts, including hospital bills, doctor bills and related medical expenses. Once you file for bankruptcy protection, those health care providers cannot pursue collection, repossession, garnishment or foreclosure actions. There is no special filing for medical debt — bankruptcy is bankruptcy.
Bankruptcy For Credit Card Debts
Perhaps you relied on credit cards to make ends meet after a job loss. Perhaps the balances and interest steadily grew over several years to the point that you can barely make the minimum payment.
Bankruptcy can eliminate nearly any amount of credit card and charge card balances. The exception is big purchases or cash advances prior to filing — running up the charges could disqualify your Chapter 7 petition or force you to delay your filing.
Find Out What Debts Are Dischargeable
Experienced attorney Ty Mahaffey has handled bankruptcy since 2002. He can determine which of your debts are eligible for Chapter 7 relief — not only credit card and medical debts, but perhaps certain bills, taxes and judgments as well.
Call Mahaffey & Associates, LLC, today at 888-422-6894 or contact us online. Our Toledo credit card debt attorneys offer a free initial phone consultation, and we can meet clients at offices in Sylvania, Toledo and Northwood, including evenings and weekends by appointment.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.