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I have both medical debt and credit card debt. I only want to file bankruptcy for the credit card debt. How do I proceed?
My son got cancer and I had to use my credit cards to pay for prescriptions, plus pay for medical bills that weren’t covered under my insurance company. Now with work like it is I am not only behind with my credit cards but I am really struggling with everything else. I only want to do away with all my credit card debt. What is the appropriate bankruptcy chapter filing for this and how do I proceed?
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Answers (1)
You should speak with a lawyer to be sure you are taking the right steps. Odds are, you may be told that a Chapter 7 Bankruptcy filing that can liquidate all medical debt and consumer credit card debt might prove very useful to you. However, you will need to have your lawyer review all of your finances before making this decision.
Your attorney’s advice may hinge on what other debts you may have. Be sure to tell your lawyer all about any work-related or business debts since you said you’re struggling to make enough income. This information could change your attorney’s advice about the proper bankruptcy chapter filing.
Another alternative might involve contacting a debt management group recommended by your nearest Better Business Bureau. After all, some bankruptcy filings can stay on your credit report for up to 10 years.
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Posted by Elizabeth Smith on 22 Jan 2010
4people found this useful
(6 Votes)