It’s not your fault. In addition to plain old overspending, many of life’s inevitable challenges by their very nature push us into debt, try as we might to stay out of it. Here are some of the biggies:
We’ll talk about medical expenses in this post.
Whatever you do, don’t get sick in this country. If you’re one of the lucky ones in this game of medical musical chairs, and you happen to have health insurance at the moment you need it, you might get through a serious illness without needing to file for bankruptcy. Even if you do have health insurance, it’s very likely that it won’t cover the entire cost of your treatment, and the bills for that treatment will just keep coming, month after month after month.
Perhaps you’re recovering from debilitating illness or a serious accident. You’re probably still not feeling up to par. You may have missed several weeks – or months – of work. You reel as you open the hospital bill ($7 for a Band-Aid?!). Then along comes the doctor’s bill. The hospital bill has doctor’s charges. The one that just arrived is the big one. Now you’ve been careful with your money, and it looks like you can handle this bill too. But then along come more bills: the anesthesiologist, the specialist, the pharmacy. Some of this stuff may be covered by insurance, but some of it may not. You could fight with the insurance company to get them to pay more, but that’s about as futile as taking on Mike Tyson.
Maybe the hospital can cut you a break. Some hospitals do have debt forgiveness programs or slow-pay options, where you can pay as little as $10 per month on your bill (most likely for the rest of your life), but many don’t advertise this fact. You’ll need to ask for this option early, before they send the debt to a collection agency.
It’s shocking to see how many hospitals take such drastic steps against their patients after they go home. Most of these patients have been out of work for some time, and many have lost their jobs completely. And the patient never knows how huge those debts will actually be until the tidal wave of bills has ebbed. Hospitals are some of the quickest creditors to send your bill to a collection agency, assuring that you will be harassed for this unplanned, unwanted debt. Some actually file lawsuits against their patients, getting judgment against them that become liens on their property and wage garnishment.
There are “nonprofit” hospitals you can use. But surprisingly, many of them are among the most aggressive bill collectors, priding themselves on high collection ratios and impressive earnings.
Many private doctors are much more generous to patients who cannot pay. Often, if you talk to their billing department about your situation, they will reduce or simply write off a balance if it is not covered by insurance. However, other doctors take the contentious approach, calling in the collection thugs or filing lawsuits against whose whom they are sworn to assist.
If you are having financial hardship and are considering filling for bankruptcy, contact an experienced Las Vegas bankruptcy lawyer at Aaron & Paternoster by calling (702) 384-4111. We offer FREE confidential Las Vegas bankruptcy consultation. Protect your legal rights – contact Las Vegas bankruptcy attorney NOW.
Aaron & Paternoster
2300 W. Sahara Avenue, Suite 650
Las Vegas, NV 89102
(702) 384-4111
http://www.aaronpaternoster.com/bankruptcy/
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