Reed Law Firm, P.A. is a federally designated debt relief agency. We proudly help people file for bankruptcy relief under the U.S. Bankruptcy Code.
image description
Giving You Hope For a Debt-Free Future

SOUTH CAROLINA
BANKRUPTCY ATTORNEY

Trying to conquer medical debt while dealing with illness, loss

Any type of debt can get to the point where it is overwhelming. However, medical debt can be extremely stressful for South Carolina residents, especially with confusing medical statements and insurance payments. Sometimes people are not sure what to pay or what not to pay, and by the time it's been worked out, months have passed and collection agencies are calling.

Such is the case for a couple overwhelmed with medical debt for cancer treatments. For seven years, the wife fought against ovarian cancer, and even though she had supplemental insurance and Medicare, the bills began to pile up. The husband had his own share of medical bills due to a surgery on his left foot. He had insurance as well but had to pay expensive out-of-pocket costs.

While the man was able to negotiate with the hospital to make payments, his wife's death and the funeral expenses caused him to fall behind. He asked the hospital for a grace period, acknowledging he owed the debt but needed more time to pay it. Instead of working with the man, a demand letter was sent and then a debt collection notification from a collection agency. Now the man worries about his credit being affected and how he will replace his older vehicle.

Unfortunately, this trend is not surprising. Since 2008, more people's credit has suffered than ever before due to medical bill delinquencies. Just a small dispute over a $100 medical debt can hurt consumers to the point where thousands more will have to be paid for a mortgage. Confusion reigns over medical debt. Statements come in the mail detailing medical costs but are stamped to notify the consumers not to pay, and with all of these statements, it can be easy to overlook an actual bill that arrives.

The man began to lobby for legislation that states medical delinquencies must be erased from consumer credit reports within 45 days of the bill being paid. It was passed by the House two years ago but time ran out before it could be passed by the Senate. While he is hopeful it will ultimately be passed, many South Carolina residents still struggle with the consequences of medical debt. Consumers overwhelmed by this type of debt have options available to them including bankruptcy protection. Such may help consumers get back on their feet and make a clean financial start.

Source: Chron.com, "Hart: Humane medical billing - surely we can afford it," Patricia Kilday, July 3, 2012

No Comments

Leave a comment
Comment Information

Contact Us

For more information or to schedule an appointment with an experienced lawyer regarding a bankruptcy filing, please contact us.

image description

COLUMBIA OFFICE
220 Stoneridge Drive,
Suite 301
Columbia, SC 29210
Phone: 803-807-2565
Fax: 803-726-4887
Email | Map & Directions

FLORENCE OFFICE
1807 West Evans Street,
Suite B
Florence, SC 29501
Phone: 843-679-0077
Fax: 843-679-0667
Email | Map & Directions

Bold labels are required.

Contact Information
disclaimer.

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.

close

Privacy Policy

image description

Reed Law Firm, P.A.
220 Stoneridge Drive,
Suite 301

Columbia, SC 29210

Phone: 803-726-4888
Fax: 803-726-4887
Columbia Law Office Map

Reed Law Firm, P.A.
1807 West Evans Street,
Suite B

Florence, SC 29501

Phone: 843-679-0077
Fax: 843-679-0667
Florence Law Office Map

Reed office

‚Äč