Bankruptcy Can Help With Your Medical Bills In Georgia.

Medical bills can quickly add up. In Georgia, medical debt is one of the leading causes of bankruptcy.  Fortunately, you can wipe out medical bills by filing bankruptcy. They are a class of debt in bankruptcy knows as “unsecured debt.”

An attorney at King and King can review your situation and explain your bankruptcy options. For many people, this means filing for a Chapter 7 bankruptcy, which will completely eliminate many types of unsecured debts, such as medical bills and credit card bills. Most filers are able to keep all of their property.

You may also qualify for a Chapter 13 bankruptcy. This can also eliminate or reduce your unsecured debts, including your medical bills. You can also stop foreclosure and sometimes eliminate second mortgages. Your bankruptcy attorney will be able to help you decide which is right for you.

You Can Still Obtain Medical Care

You will still be able to get the treatment you need. Your ability to obtain medical care will not be affected when you file for bankruptcy.

If you’re struggling with overwhelming medical debt, King & King can help. Call us today at 404-524-6400 for a free consultation or visit us online at www.kingandkingattorneys.com

Bankruptcy Can Help You Deal with Medical Debt In Georgia

Medical bills continue to be one of most common reasons why people file bankruptcy in Georgia. Even when you have health care coverage, it can be impossible to pay co-pays for doctor visits, prescription medications, and make payments on bills your insurance does not cover. People all over Georgia continue to juggle their finances by trying to make payments on credit card debt, mortgage and vehicle payments, utilities, and groceries all while trying to cover unexpected medical expenses. When it becomes too much to handle, the bankruptcy attorneys at King & King can help.

Bankruptcy can clear your debt. Chapter 7 bankruptcy eliminates unsecured debts such as credit card bills, personal loans, broken leases and medical bills. Chapter 13 bankruptcy reorganizes debts into an affordable monthly plan that allows you to make payments based on your income ability. Chapter 13 also helps stop foreclosure, repossession and more. Your bankruptcy attorney can help you decide which chapter is best for you. Both chapters put a stop to all collections.

When you or a loved one is dealing with an illness or other health concerns, the last thing you want to worry about is how bills will be paid. This is when an experienced bankruptcy attorney at King & King can help you find an appropriate solution to your situation.

If you are dealing with medical debt or find it is becoming increasingly difficult to make necessary monthly payments because of medical bills, call King & King to schedule a free consultation today at 404-524-6400.

How to Clear Medical Debt In Georgia

Large medical debts are one of the most common reasons people consider filing for bankruptcy in Georgia. Even with insurance, an emergency visit to the hospital can cost thousands. Filing for bankruptcy is sometimes the best option for breaking free of medical debt. Your bankruptcy lawyer can help you decide the best option for your situation.

Bankruptcy Can Eliminate Medical Bills

Depending on the type of bankruptcy you qualify for, you may be able to eliminate your medical debt by filing for either Chapter 7 or Chapter 13 bankruptcy.

Chapter 7 Bankruptcy

If you qualify for Chapter 7 bankruptcy, your discharge will wipe out your medical bills along with your other general unsecured debts including credit card debt. There is no limit to the amount of medical debt you can discharge in Chapter 7 bankruptcy.

Chapter 13 Bankruptcy

In Chapter 13 bankruptcy, medical bills and all other general unsecured debts are also dischargeable.  You may not have to pay unsecured debts back at all, or you may just pay a portion.  The amount you pay depends on your income, expenses, and nonexempt assets.

There’s no shame in not being able to pay your medical bills. No matter how high your income or how well-insured you are, expensive medical bills from accidents and illnesses can happen to anyone.

We understand unexpected medical bills are a common reason why people in Georgia and the greater Atlanta area consult bankruptcy lawyers. At King & King, our attorneys understand the difficulties your family is facing. Call us today at 404-524-6400 for a free consultation.

Can Bankruptcy Wipe Out My Medical Bills In Georgia?

Many of our bankruptcy clients are overwhelmed by unexpected medical bills. We understand. Unplanned emergency costs can quickly spiral out of control. Our bankruptcy attorneys want you to know that you have legal rights and options. We understand that anyone can find themselves suddenly drowning in unforeseen medical bills.

Medical debt is an unsecured debt and can be discharged. It is classified as “general unsecured debt”, meaning it is the lowest priority of debt to get paid if any creditors do receive money in a bankruptcy filing. Medical bills are a major cause of bankruptcy and the courts do not dispute that people who face financial ruin because of medical bills deserve a fresh start.

It is important to note that medical debt must only be for services received before your case was filed. As soon as your case is filed all collections for the medical debt will stop. If you are filing bankruptcy and making payments on a medical debt, late charges, penalties, attorney’s fees and interest associated with the medical debt can be discharged.

If you have a large amount of medical debt in your bankruptcy, your trustee will want to know if it is for an injury you can recover money in a law suit for, if so your bankruptcy lawyer can assist you with this process. Bankruptcy laws provide specific exemptions for personal injury lawsuits .

The bankruptcy attorneys at King & King can help you have your medical bills “discharged,” or completely wiped out. Call us today at 404-524-6400 or visit us our website for more information.

What are the most common causes of bankruptcy in Georgia?

At King & King we help people find a fresh start. Here are a few reasons people come to us for help. 

1. Medical Expenses

Studies indicate that this is the biggest cause of bankruptcy. Accidents and illness can easily result in enormous medical bills - bills that can quickly wipe out savings, retirement accounts, college education funds and even home equity. Bankruptcy may be an option even before these resources are exhausted.

2. Job Loss

Whether due to layoff or termination, the loss of income from a job can be devastating. Not having emergency savings to draw from only makes your situation more serious, using credit cards to pay bills can lead to deeper debt. If you are unable to find employment quickly it can be difficult to keep your creditors paid. Bankruptcy can put a stop to all collections.

3. Excess Use of Credit

Credit card bills, Car payments, mortgages, and other loan payments can spiral out of control. If you find yourself at the point where you can only make minimum monthly payments, bankruptcy may be the best option for you.

4. Divorce

Divorce can create tremendous financial strain on both partners. Legal fees, division of marital assets, decree of child support and/or alimony, these alone can be enough to cause some to file.

The good news is bankruptcy can give you a fresh start. The attorneys at King & King can put you back on track so you can stop worrying and move forward. Call us today at 404-524-6400 for a free consultation or visit us at www.kingandkingattorneys.com for more information. 

Retirement and Bankruptcy in Georgia

Considering Bankruptcy in Retirement?

The first thing to know is filing for bankruptcy isn't giving up. Filing bankruptcy can be a wise decision that can protect your retirement assets and prevent the possibility of leaving financial burdens to your family. Even if you have made careful financial arrangements for your retirement, unexpected problems can arise. You may consider filing for bankruptcy after the death of your spouse or a serious illness that resulted in significant medical bills. Losses in investments or real estate, reduced pensions, predatory lending, and sometimes simply the rising cost of living can all be reasons to file for bankruptcy.

How Can  Bankruptcy Help?

Filing for bankruptcy does have many benefits. For example, a bankruptcy discharge does not affect your retirement assets. You will not lose your retirement plans, including your 401(k), 529 Plan, Roth IRA, or SEP IRA. Filing for bankruptcy will enact an automatic stay, which will stop creditors from harassing you. It will also put a stop to eviction or foreclosure proceedings and protect your personal property, in addition to giving you greater financial stability to enjoy your retirement.

If you are in financial distress, bankruptcy may be a viable option to help you get back on track. The first step is to contact an experienced bankruptcy lawyer who can help you understand your options and explain the process of filing for bankruptcy to you. Call King & King today at 404-524-6400 for a free consultation or visit us at www.kingandkingattorneys.com for more information.

Can filing for bankruptcy In Georgia wipe out my medical bills?

The answer is yes! Medical debt is one of the most common reasons people file for bankruptcy. Medical debt is almost always 100% dischargeable in bankruptcy.

Unfortunately, even people with health insurance find themselves with high medical bills. The judges in bankruptcy court are well aware of the difficulties this presents. In addition, when someone has high medical bills, it often means they also have had to take time off from work leading to more financial stress.

We can help. Even if you are current on installment payments or an insurance claim is pending, you may consider filing for bankruptcy to get the complete debt relief that is available to you. Medical debt collection stops as soon as you file your case. The bankruptcy attorneys at King and King will help you take these steps to become free of your medical debt. We offer a free case evaluation to answer your most pressing questions.

Our skilled Georgia bankruptcy lawyers can help stop the medical debt collection.

King and King has over 30 years of experience, and we are here to assist you in determining if filing for bankruptcy is the best solution for removing your medical debts. Please call us with your questions for a free initial consultation 404-524-6400 or visit is online at www.kingandkingattorneys.com.

Behind On Your Bills In Georgia? King & King Can Help.

When your bills pile up, so does the stress. This can be even more frustrating if you have been making all your payments on time in the past. You may find yourself in this situation due to a job loss, a sudden unexpected expense, or health reasons. Whatever the reason, you may be able to get your finances back under control. Here are a few tips:

1. Create a priority list

First step, prioritize your bills. The essential bills on top, entertainment towards the bottom. Try not to leave anything out; rank them in terms of importance. Clear these bills one by one before you decide to spend a dime anywhere else.

2. Don’t run away from your creditors

When you have too many bills to pay, avoiding your creditors may seem like an easy way to deal with them. However, ignoring calls from your creditors will not make them go away. Try calling your creditors and explaining the situation you’re in. They may actually give you more time to pay your debts.

3. Reduce your expenses

This may be tougher than it sounds. If you have any extras you can trim for your expenses, now is the time to do it, even if that means canceling Netflix. Every dollar counts when restructuring your budget.

If your bills have become uncontrollable, bankruptcy may be an option. King and King can help; call our office at 404-524-6400 for a free consultation today. 

Can Bankruptcy Help With My Medical Bills In Georgia?

Medical bills can quickly put you over your head in debt. In Georgia, medical debt is one of the leading causes of bankruptcy.  Fortunately, medical bills are easy to wipe out in bankruptcy. They are a class of debt in bankruptcy knows as “unsecured debt.”

An attorney at King and King can review your situation and explain your bankruptcy options. For many people, this means filing for a Chapter 7 bankruptcy, which will completely eliminate many types of unsecured debts, such as medical bills and credit card bills. Most filers are able to keep all of their property.

You may also qualify for a Chapter 13 bankruptcy. This can also eliminate or reduce your unsecured debts, including your medical bills. You can also stop foreclosure and sometimes eliminate second mortgages.

You Can Still Obtain Medical Care

You will still be able to get the treatment you need. Your ability to obtain medical care will not be affected when you file for bankruptcy.

If you’re struggling with overwhelming medical debt, we can help. Call us today at 404-524-6400 for a free consultation or visit us online at www.kingandkingattorneys.com

Should I Consider Bankruptcy As An Option?

If you are behind on your bills, facing foreclosure, repossession or other financial difficulties in Georgia, bankruptcy can be a possible solution to your situation.

Bankruptcy might provide you with the right solution if:

• You are facing foreclosure on your home
• Your car or other property is in danger of being repossessed
• You are having trouble making credit card payments
• You lost your job
• You have incurred large medical bills
• You are receiving harassing calls from creditors
• Your wages are being garnished

Whether you want to learn more about the bankruptcy process or you are ready to take the next step, our lawyers can help. They’ll meet with you at no charge for an initial consultation, and then recommend the best course of action. King and King is sympathetic to your problems, and we know how to help you solve them. Call us at 404-524-6400 or visit us online at www.kingandkingattorneys.com.

Will Chapter 7 Bankruptcy Get Rid Of My Debt?

Chapter 7 Bankruptcy is the most common form of filing in the state of Georgia. Chapter 7 is frequently referred to as a "fresh start." It is relatively quick and allows you to discharge your debt to allow you to start again with a clean slate. 

Chapter 7 Bankruptcy cases can remove debts for the following:

· Credit Card Debts

· Medical Bills

· Lawsuits for injuries caused while driving uninsured

· Debts following evictions and/or repossessions

· Lawsuits for breach of contract

· Small or moderate NSF checks

· Garnishments

· Most business debts

Chapter 7 bankruptcy may not discharge some of the following debts; your attorney will help you to understand where you stand.

· Child Support

· Student Loans

· Some Criminal Fines

· Some Taxes

· Debts incurred fraudulently



When your bankruptcy is accepted by the court, your dischargeable debts are wiped clean and you are awarded a clean slate to start anew. Call King and King at 404-524-6400 for a free consultation today or visit us online at www.kingandkingattorneys.com.

Can Bankruptcy Help With My Medical Bills?

Car accidents, ongoing illness, and medical conditions are situations that people are facing every day, and they aren’t really things that we can control. We understand your health and the health of your loved ones is a main priority. However, what do you do when you face the tough situation of getting medical bills every month that you can’t pay for? What happens when years later the bills are weighing you down and you can’t keep up?

The good news is, medical debt is very easily discharged in bankruptcy. It is also one of the most common reasons people file bankruptcy. If you are not current on installment payments, an insurance claim is pending or you are being garnished, medical debt collection stops as soon as you file your case.

Bankruptcy due to medical issues can become more of a necessity than an option. What kind of bankruptcy should you file for? How does bankruptcy work?

King and King can answer your questions during your free consultation. Call us at 404-524-6400 or visit us at www.kingandkingattorneys.com for more information.