A free guide for New Jersey residents. Filed in D.N.J..
You cannot selectively file bankruptcy on just one type of debt -- all debts must be listed in your petition. However, medical debt IS fully dischargeable in both Chapter 7 and Chapter 13. If medical bills are your primary burden, Chapter 7 may eliminate them entirely in 3-4 months. Before filing, check if your hospital has charity care programs, negotiate directly, or apply for financial assistance. Many hospitals write off bills for patients below 200-400% of the federal poverty level.
In New Jersey:
Courthouse: 50 Walnut St, Newark NJ.
You cannot selectively file bankruptcy on just one type of debt -- all debts must be listed in your petition. However, medical debt IS fully dischargeable in both Chapter 7 and Chapter 13. If medical bills are your primary burden, Chapter 7 may eliminate them entirely in 3-4 months. Before filing, check if your hospital has charity care programs, negotiate directly, or apply for financial assistance. Many hospitals write off bills for patients below 200-400% of the federal poverty level.
Filed in D.N.J.. Consult a qualified attorney for your specific situation.
50 Walnut St, Newark NJ.
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