Lefkovitz & Lefkovitz
Nashville Office 615-686-2279 Cookeville Office 931-400-2218
Serving all of Middle Tennessee's Bankruptcy Needs

How to resolve past medical debts in collection

According to the National Consumer Law Center, over half of all accounts in collections are medical debts. Tennessee residents who aren't sure if they owe a medical debt attributed to them should first contact their insurance company to confirm that it is legitimate. If the bill is legitimate, it may be possible to negotiate a lower balance. Individuals can use a medical debt advocate to help with negotiations.

As with any other business, a medical service provider wants to keep its customers happy. It also wants to avoid any negative public reaction that might hurt its ability to retain or attract clients in the future. It is important to note that billing advocates will usually charge a fee for their services. This is often a percentage of the amount that is forgiven, but it is possible that an advocate will charge a flat fee instead.

If a person has a debt that he or she cannot afford to repay, it could be eliminated in bankruptcy. This is true of most medical debt balances as well as credit card or personal loan debt. An individual may be able to repay secured debts such as auto loans or mortgages over a period of three or five years under the terms of a Chapter 13 plan. During the repayment period, a creditor generally cannot move to repossess an item or foreclose on a home.

This may provide a chance for an individual to get current on a loan or sell an item before it is taken away. An attorney may be able to talk more about the benefits of filing for bankruptcy and how it can provide debt relief.

No Comments

Leave a comment
Comment Information

We Look At Your Case From Every Angle To Find The Solution That Is Right For You

Bankruptcy help for everyone, from the most simple to the most complex cases.

Call Us Now To Schedule A Free Initial Consultation

Contact our Nashville office at 615-686-2279 or our Cookeville office at 931-400-2218. You can also reach us via email to set up a time to talk to us about your debts.

Get Legal Help Now

Bold labels are required.

Contact Information

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


Privacy Policy

Nashville Office
618 Church Street, Suite 410
Nashville, TN 37219

Phone: 615-686-2279
Fax: 615-255-4516
Nashville Law Office Map

Cookeville Office
312 East Broad Street, Suite A
Cookeville, TN 38501

Phone: 931-400-2218
Fax: 931-526-6244
Cookeville Law Office Map

Back To Top