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Medical debt is a driving force in bankruptcy in America

When a person’s healthcare costs are not covered by insurance, the healthcare providers will pursue that individual for their treatment costs. This is an obvious statement, but costs for healthcare are mostly beyond the resources of most private citizens.

The difficult financial situation of the injured

Millions of Americans suffer from intense debts exacerbated or created by their medical bills. While medical debts are dischargeable through bankruptcy, choosing to go that path is a fraught decision. Additionally, depending on your circumstances, you may have to make drastic changes to your life.

There are some cost-saving options that most people do not know they can attempt, such as:

  • Negotiation: Insurance companies aggressively negotiate prices down with hospitals and other providers. You may also take such steps.
  • Financial assistance: Most hospitals have financial assistance programs for people with hardships facing extensive medical bills.
  • Payment plans: You could work directly with the healthcare provider to create a plan to slowly pay off your bill.

These are some of the cost-saving, bankruptcy-avoiding options, but it doesn’t have to go this far for someone injured due to someone else’s negligence.

Accident victims recover compensation

Many people are reluctant to pursue a personal injury case simply because they’d like to handle the problems themselves. However, trying to “do it yourself” may result in you falling victim to the medical billing system. You may find yourself facing bills unlike any you’ve ever experienced and well out of proportion with what you’ve seen in the past.

However, with a personal injury attorney who understands the system, you and your injuries, you can avoid the financial hazards and retain control of your treatment and finances.


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