It is a common misconception that an individual is unable to file for relief under Bankruptcy Code if their debt is incurred due to medical expenses. This can be especially concerning these days, with the costs of even the most basic medical care at astronomical levels. Fortunately, this is also false. Medical bills CAN be discharged through either a Chapter 7 or Chapter 13 bankruptcy and should definitely be included when an individual is weighing the benefits of deciding to file. This, however, is only true for medical expenses incurred before the date of filing. Any debt incurred after the date of filing is not subject to discharge through the bankruptcy and therefore can be subject to debt collection.
For more information on what debts can and cannot be discharged in bankruptcy, please contact your local bankruptcy attorney.
