How does my son stop collection agencies and get medical debt forgiven?

by Karen
(Ripley, Ny, USA)

My son has no medical insurance. He has been a student off and on and his employment has been as a cook. He has education loans, no vehicle, and rents a room from someone renting a house. He lives in Seattle and nearly drowned on vacation in California in 2003. (he was 25 then) He appreciates the medical care he received, but cannot pay the bill. In 2009 he moved to Denver for a while and was beat up during his first week there. Again, he appreciates the medical care he received, but cannot pay the bill. These bills are in collections now and he has no way (and I am not in a financial position to be able to help him) to pay these, even on a payment plan. He also hasn't qualified for Medicaid in Seattle. What can he do?

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Feb 04, 2012
 How does my son stop collection agencies and get medical debt forgiven?
by: Debtcollectionanswers.com

So sorry to hear about all of your son's bad luck, Karen.

Given his situation, I recommend that your son schedule a free initial evaluation with a bankruptcy attorney right away because bankruptcy will stop all collection actions against him immediately and will wipe out most of his debt. (If his education loans are federal loans, bankruptcy will not get rid of them. He must repay them.)

Now, I am not a bankruptcy attorney, so I cannot say for sure whether filing for bankruptcy is the right move for your son -- an attorney must review his finances in detail to make that determination. However, it's definitely something your son should explore.

For some basic information about bankruptcy, I recommend that your son go here how to file for bankruptcy. Also, he should NOT try to file his own bankruptcy. It's a very complicated process and if things are not handled exactly right, some of his debt might not get eliminated or his bankruptcy could be dismissed leaving him at the mercy of collectors again. In other words, acting as your own bankruptcy attorney is a penny wise and pound foolish move.

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