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Personal Bankruptcy & Dental Bills

The overwhelming cost of medical care, which can include dental care, these days has led many American families to seek bankruptcy protection. If you're worried that your medical or dental bills might overwhelm you financially, now is the time to speak with a lawyer about how bankruptcy protection might offer you some financial relief.

You can connect with a bankruptcy lawyer near you today. Simply fill out the form below to arrange a free, no-obligation consultation with an attorney in your area.

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Discharging Dental Bills in Bankruptcy

In order to understand how bankruptcy protection might be able to help you with your finances, it's important to know the difference between secured and unsecured debts.

  • Secured debts: These are connected to property and include mortgage loans and car loans. These debts are "secured" because the lender can repossess whatever property is connected to the loan if the borrower fails to make payments according to the loan agreement.
  • Unsecured debts: These debts are not connected to any property and include credit card debts, medical bills and even dental bills. If a borrower fails to make payments on an unsecured debt, a lender cannot repossess any property, but he may be able to take legal action (such as a law suit) against the debtor.

In bankruptcy court, filers may be eligible to have their unsecured debts discharged (forgiven). Secured debts, on the other hand, typically cannot be excused in bankruptcy without the debtor surrendering the property.

Can Your Dental Bills Be Discharged in Bankruptcy?

If you need relief from overwhelming dental bills, bankruptcy protection might be able to help you. If you're eligible to file, depending on which chapter you file under, bankruptcy could:

  • Stop debt collectors from contacting you: Regardless of whether you file for Chapter 7 or Chapter 13 bankruptcy, a legal protection called the automatic stay should take effect as soon as you successfully file your bankruptcy petition with the court. This protection prohibits all collectors from making contact with you about the debts you included in your filing, which means those debt collectors will be legally required to stop calling you when you file for bankruptcy.
  • Eliminate some of your unsecured debts: Chapter 7 bankruptcy works by offering filers a complete discharge of some or all of their unsecured debts. In many cases, medical and dental bills qualify for such a discharge.
  • Set you up for a fresh financial start: Before you’re eligible for your bankruptcy discharge, you’ll have to complete a financial management (sometimes called a debtor education) course. This course offers techniques for improving and rebuilding finances after bankruptcy protection ends so that filers are better prepared to navigate post-bankruptcy life. Building an emergency fund as part of your financial management may prevent overwhelming dental bills in the future.

Ask a Lawyer about Bankruptcy and Your Dental Bills

Are you ready to find out whether bankruptcy might help you get out from under the burden of medical and dental debt? If so, take this opportunity to connect with a bankruptcy lawyer practicing near you for a free consultation. Simply fill out the form below to get started.

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