You Deserve a Fresh Start! We have helped hundreds of people just like you eliminate or greatly reduce their debt.

Medical Debt Solutions

Need Help With a Medical Debt Settlement? Call A Fresh Start Law.

Owing large medical debts is awful, causing stress which can lead to further health issues and land you in a hospital— a vicious circle. Luckily, you have options to resolve your medical debts. At A Fresh Start Law, our team has many years of experience settling debts, negotiating affordable payments or even eliminating these debts through Chapter 7 or Chapter 13 bankruptcy. Get the help you need to solve this problem. Don’t let medical debt overwhelm you because the team at A Fresh Start can help you find peace of mind by solving your medical debt problems.

What is Medical Debt?

The bankruptcy court considers medical debt to be different from other debt because medical debt is “non-consumer debt.” That means if more than half of your debt is medical debt, you do not have to complete the “Means Test” portion of the bankruptcy paperwork. In bankruptcy, medical debt is otherwise just the same as any other type of debt. Filing for bankruptcy because of medical debt is the same as filing bankruptcy for any other type of debt.

However, settling medical debt is different than negotiating other types of debts. People need to be able to turn to their doctors for care in the future. While there is always another bank to get a credit card or a car loan if you can’t pay your doctor, especially one who specializes in a medical condition you have, who will you turn to for care? A Fresh Start has discovered that many individual medical specialists are decent people. We can reach a settlement that can let your doctor continue to care for you.


Contact A Fresh Start Law online or call (702) 551-3256 for a free consultation.


What Are My Options to Resolving Large Medical Debt?

You have several options to resolve your medical debt. While many hospitals and providers can help you directly to resolve your debt, are they going to explain what option is best for you, or which is best for THEM? Whatever decision you make, the professional team at A Fresh Start works to get the best, most beneficial option for you.

We investigate solutions to resolve your medical debt, such as:

  • Reviewing your billing statements for accuracy: We check your billing statements for errors, such as gaps in your insurance coverage, charges for unnecessary procedures or services you did not receive. Errors on medical bills are common. Without training in medical terminology or knowing medical procedures, you may feel like you are stumbling around in the dark. At A Fresh Start, the professionals understand how medical bills and how they work.
  • The myth of a payment plan: Medical providers and hospitals often will “agree” to “let” you make payments on a large bill, acting as if that is a favor, and their patience is limited. At some point, your account may be referred over to a professional debt collector. As you probably know, having an account go into a collection can destroy once perfect credit. However, what is worse is many hospitals only give you a few weeks to contact them to make payment arrangements. If they don't hear from you right away, you could be sent to collections in as soon as a week after being discharged from hospital care, giving you no chance to make payments. With payments, you generally pay 100% of the amount you owe, even though providers typically give substantial discounts to insurance companies.
  • Debt settlement: You could pay a lot less money if you can offer a lump sum payment. Depending on the amount you owe, this may involve getting a loan or dipping into savings. For example, we might settle a $17,000 medical debt for $3,000. While we cannot guarantee any particular result, when negotiating a settlement, you decide the most you are willing to offer.
  • Bankruptcy: If your medical debt and other debts are enormous, bankruptcy may also be an option. While no one enjoys going into bankruptcy, it can be a logical choice when you are unable to pay back the debt in a reasonable amount of time, especially if you are not likely to have a large amount of medical debt in the future. Bankruptcy should be your final choice, not your first option. At A Fresh Start, we offer credit rebuilding education to all our clients, including those who go into bankruptcy, and most people can bounce back from bankruptcy much sooner than they may have feared.

You Deserve a Fresh Start! Call (702) 551-3256 for a Free Consultation.

Our team can help you find what the best option is for your circumstances and how to move forward with that option. We have extensive experience with debt settlement, credit repair, and bankruptcy for debt solutions. Let our knowledge and familiarity with the numerous ways to solve medical debt problems be your resource for peace of mind. A Fresh Start lets you find medical debt relief.

Request a consultation with our team at (702) 551-3256.

Reviews & Endorsements

Learn why we are the right choice from past clients and fellow attorneys.
  • “She is extremely helpful and friendly, I wouldn't consider anyone else but her!”

    V Huy

  • “I endorse this lawyer. She is also well respected by her peers in the legal community.”

    Nicole O.

  • “She is honest and fair in all of her dealings and will go out of her way to help you.”

    James

  • “I would not hesitate to refer someone to her in need of bankruptcy assistance.”

    Ryan M.

  • “I endorse this lawyer. I would certainly recommend Dorothy to any potential client that needed assistance with bankruptcy matters in her area.”

    Karina L.

  • “It is with the greatest of pleasure that I highly endorse Dorothy.”

    David P.

  • “Dorothy Bunce is a very knowledgeable and professional attorney.”

    Leann

  • “Dorothy answered my question with knowledge.”

    Eugene

  • “I couldn't be more pleased or satisfied with Dorothy's work, her attitude and her willingness to go the extra mile for us.”

    John

  • “I am not used to having a lawyer treat me with this level of respect and showing me that she knew I was smart enough to make my own decision.”

    Gary

  • “She knows what she's doing and will walk you through every step of the way and help you through the process.”

    Casey

  • “Dorothy has been very supportive and caring throughout the entire nerve recking bankruptcy process.”

    Robert

  • “I know I am not her only client but she made me feel as though I was.”

    Heather

  • “I consider Dorothy not just a knowledgeable attorney, but now a friend.”

    Kathryn

  • “Dorothy Bunce is excellent at what she does, everything went seamlessly and she made us feel very comfortable.”

    Anonymous

Why Choose A Fresh Start Law?

  • Over 35 years of experience helping people and families start fresh!

  • We provide free consultations to help you determine the right course.

  • We create a plan designed specifically for your unique financial situation.

  • We walk you through the process and ensure you leave feeling set up for success!

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