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Los Angeles Medical Debt Relief Attorneys

Providing Bankruptcy Solutions for Medical Bill Freedom in California

Your health is important, and you must do whatever you can to protect it. Sometimes, that means incurring substantial debt in order to get the proper treatment. Health insurance may only pay a small portion of the amount due, leaving you with a mountain of debt.

Yes, healthcare providers or their collection agencies may take legal action to recover unpaid medical bills. It's crucial to address these matters promptly and, if possible, seek legal advice from our medical bill lawyers in Los Angeles.

It may surprise you to learn that next to credit card bills, medical expenses are one of the leading causes of bankruptcy. At RHM LAW LLP, our Los Angeles debt relief attorneys can help you develop a plan for your unpaid medical bills. We can help you file either Chapter 7 or Chapter 13 bankruptcy, giving you a chance to get back on your feet again. When you need a medical bill dispute attorney you can count on, turn to our L.A. medical bankruptcy lawyers at RHM LAW LLP.

You have the right to dispute any inaccuracies or unfair charges on your medical bill. Contact the healthcare provider's billing department and request an itemized bill to review the charges.

To learn how we can help you eliminate all your past medical bills, call (213) 344-0043 and schedule your 30-minute complimentary consultation with our medical debt attorney in Los Angeles. 

Chapter 7 Bankruptcy and Medical Debt

Whether you were struck with a sudden illness, your medical coverage lapsed due to a job loss, or you needed a medical procedure that was not covered by insurance, you have options for taking care of medical debt. When you file Chapter 7 bankruptcy, most medical bills will be completely eliminated. With Chapter 13 bankruptcy, you will pay what you can afford over three to five years. At the end of the designated timeframe, any remaining medical debt is discharged. Your medical bill dispute lawyer can help you find the right bankruptcy option for you.

Understanding the Medical Debt Relief Process

The medical debt relief process begins by assessing your current financial situation. This includes evaluating your total amount of debt, income, and expenses to understand your ability to repay. A legal professional can help you review your bills for any errors or inflated charges, which are common in medical billing. Hospitals and healthcare providers sometimes bill patients for procedures they did not obtain or services that should have been covered by insurance.

Once the accuracy of your debt has been confirmed, there are several potential strategies for handling medical debt, including:

  • Negotiating with medical providers: Many hospitals and medical facilities are willing to negotiate the amount owed. We can negotiate directly with the provider to reduce your bill or set up a manageable payment plan.
  • Debt consolidation: If you have multiple medical expenses, consolidating them into a single loan can simplify your payments and decrease interest rates, making it easier to pay down your debt over time.
  • Filing for bankruptcy: For individuals who are struggling with extensive medical debt and other financial obligations, bankruptcy may be the most viable option. Depending on your circumstances, filing for Chapter 7 or Chapter 13 bankruptcy could either discharge or reorganize your medical debt.
  • Utilizing medical debt forgiveness programs: Some hospitals and healthcare systems offer medical debt forgiveness or charity care programs. These programs provide financial assistance for qualifying patients who meet certain income or hardship criteria.

Each medical debt relief option has its own benefits and challenges. Working with our experienced medical debt attorney ensures that you choose the most effective strategy for your needs and receive guidance through every step of the process.

How Our Medical Debt Attorney Can Help You

Here’s how we can help you:

  • Evaluate your medical debt: We’ll conduct a thorough review of your medical bills, insurance payments, and financial situation to identify errors or inconsistencies that could reduce your total debt.
  • Negotiate with creditors: We’ll handle negotiations with healthcare providers, collection agencies, and hospitals to lower your outstanding balance, waive certain fees, or create a repayment plan that fits your budget.
  • Explore debt consolidation: If you’re facing multiple medical bills, we’ll help you explore consolidation options to streamline your payments and potentially reduce interest rates.
  • Advise on bankruptcy options: We’ll evaluate whether bankruptcy is a feasible solution for your medical debt and other financial challenges. If it is, we’ll guide you through the Chapter 7 or Chapter 13 bankruptcy process, ensuring that you meet all legal requirements.
  • Help stop collection actions: If your medical debt has been sent to collections, we can take immediate action to halt aggressive collection practices like wage garnishment, lawsuits, or liens against your property.
  • Provide ongoing support: Dealing with medical debt can be stressful and overwhelming. We’ll be by your side throughout the entire process, offering ongoing legal advice and helping you make informed decisions about your financial future.

Contact Our Medical Debt Attorney in Los Angeles Today

Hospitals, clinics, and other health care providers are focused on collecting payment. In addition to calling you and sending threatening letters, they can file a lawsuit with the goal of obtaining a judgment against you. A judgment may allow them to garnish your wages, freeze your bank accounts, and more.

Take the first step toward financial recovery by contacting our Los Angeles medical debt relief lawyers at our offices in L.A. or Encino. Many good people are struggling with medical expenses. You are not alone. We can help you get rid of medical debt.

Contact our Los Angeles medical debt lawyers for a free medical debt consultation for your convenience, we offer payment plans. Spanish language services are available.

Client Reviews

What Clients Say About Working With Us

Serving Encino, CA Since 2018

    "I cannot thank them enough for helping save my home. I would recommend them for anyone that is thinking about filing for bankruptcy or foreclosure on their home."
    I needed a bankruptcy attorney in Sherman Oaks and found Matt Resnik on Google. He has one of the best-reviewed bankruptcy law firms on Yelp so I decided to check it out his law firm for myself. I quickly found out that they are foreclosure specialists and they could help me with my issue. They made the process very easy for me and laid out my options for me. I cannot thank them enough for helping save my home. I would recommend them for anyone that is thinking about filing for bankruptcy or foreclosure on their home. They are the best bankruptcy law firm in Sherman Oaks.
    - Joseph R.
    "Was very impressed with the comprehensive professionalism of the firm..."

    Was very impressed with the comprehensive professionalism of the firm, especially Matthew Resnik... I had suffered through the incompetence of two previous bk lawyers not to mention fees far greater than anticipated, without resolution. Having never gone through bk before, I did not realize how difficult it could be...then, my case was turned over to Mr. Resnik...almost immediately there was a marked positive difference. Where there was little to no communication, all of a sudden I am getting updates...regularly. Further, my case was finally discharged...yet, Mr. Resnik continues to communicate, offer assistance...and, has NEVER asked for additional fees, which I am sure he could have justified...much unlike the two previous attorneys with which I was dealing. I have no reservations, whatsoever, referring and recommending Matthew Resnik for any and all business or personal bk issues...or, other wise. I have no doubt that he will be transparent on helping you regardless of the problem. Good guy.. good firm... a wonderful experience!

    - G.L
    "I filed bankruptcy with this firm 3 years ago and found that they are professional, friendly, and compassionate."
    I filed bankruptcy with this firm 3 years ago and found that they are professional, friendly, and compassionate. I also met with their loan modification department. Unfortunately, they were unable to help because of the type of loan that I have. I really appreciated that they did not lie, waste my time, or take my money in an attempt to modify a loan that was not doable. I've since used their firm for a couple of minor issues and found all of the attorneys to be knowledgeable and considerate. Attorneys Simon and Resnik are amazing!
    - Shannon J.
    "They were thorough, extremely knowledgeable, wonderful to deal with, thoughtful, and really helped guide me through what was one of the toughest times in my life."
    Matt and his team are the best!!  They were thorough, extremely knowledgeable, wonderful to deal with, thoughtful, and really helped guide me through what was one of the toughest times in my life. I never felt judged or looked down on. They were efficient and really were lifesavers during this tough time. I can not recommend them highly enough!!!!
    - Rusty H.
    "Without the support of pro bono attorneys we couldn't do all the work we need to do, and your firm in particular is outstanding."

    Thank you for your great work on behalf of Ms. Johnson. Without the support of pro bono attorneys we couldn't do all the work we need to do, and your firm in particular is outstanding.

    - Skip K.
    "He made me feel like I had options, all was not lost, and I could rebuild my credit."
    Matt is the best bankruptcy attorney in Sherman Oaks. I consulted with Matt over a chapter 7 bankruptcy. I had issues with overwhelming credit card debt after Chase increased it's APR for no reason. It set off a chain of events that were really hurting me. He made me feel like I had options, all was not lost, and I could rebuild my credit after the 7. I had some concerns about a piece of property I was having issues with and Matt also turned out to be a real estate lawyer as well! I recommend this office to anyone who is unsure of their financial situation. It doesn't hurt to find out your options.
    - Max B.
    "As the dank blanket of economic uncertainty continues to depress the hopes of many of us, I keep your business cards and number available for others."
    This is to thank you for the exceptional work of you and your fine staff. In managing my bankruptcy and loan modification, a nearly five-year effort, your performance was stellar. I never felt alone or adrift, key concerns in those circumstances. The outcome was outstanding. As the dank blanket of economic uncertainty continues to depress the hopes of many of us, I keep your business cards and number available for others. Without hyperbole, I can attest that you are present a beacon. Thank you so much.
    - K.C.
    "We are very happy that you were able to accomplish the modification of our loan in such a short period of time. Thank you again for your professional service."

    Dear Mr. Resnik: We wanted to thank you for your professional handling of our loan modification with GMAC mortgage. We are very happy that you were able to accomplish the modification of our loan in such a short period of time. Thank you again for your professional service.

    - W and B Mejia
    "He not only saved my house but also got rid of all my debt. They are not your typical attorneys and their creativity really allowed me to do things that other attorneys never mentioned in previous consults."
    Fantastic office! I want to thank Matt for taking his time with me and sincere in his assistance. He spent over an hour with me for free during our initial consult. I left knowing exactly what's needed. He not only saved my house but also got rid of all my debt. They are not your typical attorneys and their creativity really allowed me to do things that other attorneys never mentioned in previous consults. Affordable and Outstanding firm and thank you for all you have done! My family thanks you!
    - David K.

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