Question about Medical Bills

[outofcontrol]

We have several medical bills that will be included in our BK. My question is: What happens if we need to use medical services in the future? My son has to have medical test done 2-3 times a year due to previous cancer. We owe the radiology dept. of the hospital so would it be best for me to not include the hospital in our BK? The other medical expenses are for other family members.

[HRx]

If you think you can pay off your son's medical debts than don't include it in the BK. If the debt can't be paid off within five years, just list it you in your BK. If you're concern is about retaining the same specialist, see if they're willing to negotiate reduced amount? They really arent supposed to discriminate you if file BK on medical bills resulting from thier services.

Good Luck!

[outofcontrol]

Thank you so much! I am able to pay them off by the end of the year but I was concerned about not listing them when I file. I was under the impression that I had to list ALL unsecured debts.

[LostInTexas]

What are the repercussions if the trustee finds out that you have not listed every creditor, especially after you have sworn that you have done so at the 341 meeting? Would this not be considered favoritism towards a creditor? I had similar advice about not listing a creditor, but I don't want to get zapped by the trustee over it.

[HRx]

The law states you're not supposed to pick and choose which creditors/debts are included in your BK - and that you must list them all. The reality behind the matter is, oversights occur rather frequently.

The trustee isn't going to be comparing the creditors listed on your schedules, to the creditors on your credit report - to determine the accuracy of your petition. Hence, the liklihood of you getting penalized for forgetting to list a particular creditor is slim to none.

Good Luck!

[edwards2]

I went through the same scenario with 2 medical bills. I was afraid not to list them for the same reasons but our attorney said they cannot refuse us service and probably what they would do would be to make us pay on the spot what the insurance would not pay. So we did that.

I have a different question - do you know of any banks or any websites we could go to who would give us a car loan post BK...actually we are supposed to be discharged today. I have checked a few that were suggested and one does not do business in Tennessee and the other one doesnt have yet what we are looking for - too expensive cars or junk cars. Thanks.

[HRx]

I have a different question - do you know of any banks or any websites we could go to who would give us a car loan post BK...actually we are supposed to be discharged today. I have checked a few that were suggested and one does not do business in Tennessee and the other one doesnt have yet what we are looking for - too expensive cars or junk cars. Thanks.

Click HERE I posted some ideas there.

[Cmonlottery]

What are the repercussions if the trustee finds out that you have not listed every creditor, especially after you have sworn that you have done so at the 341 meeting? Would this not be considered favoritism towards a creditor? I had similar advice about not listing a creditor, but I don't want to get zapped by the trustee over it.

I wouldn't hold any out. If you are that concerned about paying the creditor you can have your attorney contact their attorney about a reaffirmation agreement or maybe a lump sum settlement.

Your are under oath at your 341 meeting so if you lie technically it is perjury.

[MichelleLeigh]

A friend of mine filed for bandruptcy and included her medical bills. They were discharged, but she still paid on them when she could. If you re-affirm, you cannot miss a payment. By doing it the way she did, she wasn't obligated to pay a certain amount every month.