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credit card and medical bill debt Archives

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.

Am I liable for my deceased family member's credit card debt?

When a person who has accumulated a great deal of credit card debt passes away, the survivors may suddenly be thrust into a very uncomfortable situation. Whether they expected it or not, the decedent's creditors, or possibly third party collectors, will take many steps to try to convince the survivors of the individual who owed the credit card debt to pay it. But should you have to pay a deceased person's credit card debt?

Your tax refund can help alleviate credit card debt

Credit card debt has a way of piling up while you're not looking and eating up every spare cent of your income once you do see it. Thousands of individuals throughout the country feel as though they are drowning in credit card debt, and understandably so. The good news is that the situation is rarely as dire as it feels when you are underneath it all. This tax season, if you are going to receive a tax refund, consider investing that money in your own peace of mind by using it to pay down your credit card debt.

Medical debt is the most common cause of bankruptcy

The past year has proven without a doubt that the country is deeply divided on nearly every political and social issue that America currently faces. If there is anything that it seems like everyone can agree on, one way or another, it is that the cost medical care in our country is simply astronomical. While this is not the forum for determining exactly how to fix this issue, it is worth acknowledging that medical expenses are the number one leading cause for bankruptcy filings in the nation. If you have had your life devastated by medical debt, you can take some comfort in knowing that you are by no means alone.