Medical Debts

Most U.S. households cannot absorb an unexpected expense of $500, let  alone the double whammy of huge medical bills and loss of income. If  you are buried in debt because of ongoing health problems or a recent  medical crisis in the family, filing for bankruptcy could be the best  solution.

Our experienced bankruptcy  lawyers have helped many clients get out from under the crushing burden  of medical debt. Robert J. Adams & Associates handles Chapter 7 and  Chapter 13 consumer bankruptcies in Cook County and Lake County.

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Don’t spend another day worrying about bill collectors and your finances. Call us today for an appointment. We offer Low Cost filing for qualified clients.


Medical  bills are unsecured debt. The hospital or doctor’s office can pursue  legal action, but your medical debts are not backed up by collateral.

  • Unsecured  debts can be discharged (wiped clean) in a Chapter 7 bankruptcy. You  will not have to repay those debts and medical providers and insurance  companies cannot come after you.
  • If you do not qualify  for Chapter 7 discharge of medical debts, you can get relief through  Chapter 13 bankruptcy, in which you make partial repayment over three or  five years.

Many Illinois  residents have no health insurance. Even if you have decent coverage,  you may be responsible for 20 to 30 percent of the costs, plus copays  and deductibles. This can quickly add up to tens of thousands of dollars  for a serious medical condition. The protections of bankruptcy can  cover ambulance bills, hospital bills, doctor’s bills, medical equipment  and other debts incurred because of health problems or an accident.

Many  people also max out their credit cards or take out payday loans to  cover medical hardships — those debts can also be discharged or deferred  in bankruptcy.


You  can’t focus on recovering your health when you are stressed by  financial problems and harassed by creditors. Take action before you  lose your car, your home and everything. Are you being crushed under the  burden of medical debts? Did you know that you can have your medical  debts discharged by filing for Chapter 7 bankruptcy? Call Robert J.  Adams & Associates in Chicago, IL to discuss your financial issues  with our experienced debt relief and bankruptcy attorneys. We have  offices located in Waukegan and Lake County, Illinois and we also help  clients in surrounding areas. We have experience aiding people with  bankruptcy, debt relief, foreclosures, repossessions, paycheck  garnishments, collections suits, payday loans, parking tickets, license  suspensions, income tax problems and much more. For a debt free NEW  START, call today to speak to our experienced bankruptcy lawyers and get  rid of medical debts.

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