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credit card and medical bill debt Archives

$40.3 billion of credit-card debt was paid off during early 2018

During the first three months of 2018, Americans paid off more than $40.3 billion worth of credit-card debt according to WalletHub researchers. While this may sound like good news, Americans accumulated $91.6 billion in new debit on their credit cards just last year alone.

Why avoid paying your mortgage with credit cards?

When you face financial hardship, it is easy to turn to credit cards for quick relief. In some cases, this is a reasonable choice, or the least-bad choice available in the moment, There is no reason to beat yourself up for making the best choice you can in a given difficult situation. However, many people fall into the trap of delaying disaster with credit cards, only to create a larger, more complex financial problems that they may be unable to clean up.

Dealing with overwhelming medical debt in America

For millions of Americans, the skyrocketing costs of medical care make the prospect of recovering from a serious illness or significant injury devastating to a patient's finances, even if the medical care itself is effective. The sad facts of the matter are that many Americans now must weigh whether they can afford treatment that is available, no matter how necessary the treatment may be.

How does the Fair Debt Collection Practices Act protect debtors?

The Fair Debt Collection Practices Act (FDCPA) exists to help ensure that consumer debtors do not suffer unfair treatment at the hands of debt collectors. Under the FDCPA, a person contacting a debtor to collect a debt must follow certain guidelines and avoid certain debt collection tactics. It is important to note that the FDCPA applies primarily to third party collectors and not always to original creditors.

Are your spouse’s credit cards your problem after divorce?

When a couple chooses to get divorced, knowing how to handle a spouse's credit card debt held within the marriage is often very difficult. While this is normal, that does not diminish how vitally important it is to make sure a person understands his or her relationship to their spouse's debt before he or she rushes into the divorce process.

Can I discharge medical debt through bankruptcy?

As a country, we may seem more divided than ever at the moment, but if there's any one thing that people seem to all agree on, it's that medical care is very, very expensive in America. In fact, medical debt is the most common reason that Americans file for bankruptcy. Even if you have insurance, one catastrophic injury or major surgery can put you so deep in the hole financially that you may never actually be able to climb out without going homeless. Despite the variety of opinions about how to fix our health care system, very few individuals will actually claim that any person should go homeless or starve because of medical debt.

Am I liable for my parents medical debt?

People consider bankruptcy for many reasons, and one of the most common reasons for bankruptcy in the United States today is medical debt. Often, however, individuals consider bankruptcy not because of their own medical debt, but because of the debt of a parent. Before you file for bankruptcy because of a parent's medical debt, be sure to consult with an experienced attorney to determine if you are actually legally liable for your parent's medical debt to begin with.

Bankruptcy can offer serious medical debt relief

If you are like thousands of Americans, you didn't get yourself into an unbearable debt situation through frivolous spending — you simply had bad luck surrounding medical costs. A huge number of Americans are swimming in medical debt that threatens to drown them each month. While the matter remains exceptionally politicized for individuals of every political persuasion, everyone agrees that medical costs across the country have skyrocketed out of control, and everyday Americans are suffering.