Coronavirus Medical Debt Lawyer Salinas
To date, the coronavirus pandemic has been a long, arduous journey that has affected all of our lives in a variety of unprecedented ways. The economy is down, and many are facing financial hardships. If you contracted the coronavirus, the attendant medical bills you’re facing are likely to be overwhelming at best. The last thing you need at this vulnerable point in your life is to contend with gorilla collections tactics and the cascading stress associated with the financial burden of your debt. Fortunately, an experienced coronavirus medical debt lawyer in Salinas can help.
Addressing Your Debt
Your inclination may be to simply ignore the mountain of medical debt you face or to rush into paying it back – even as you know it is a financial impossibility. You have been through enough and do not need this extra burden of stress. This reaction is understandable and common. But the good news is that a dedicated coronavirus medical debt lawyer can help you explore legal options like bankruptcy that allow you to move forward toward financial relief.
Consider a Chapter 7 Bankruptcy
The federal government has established a constitutionally protected process for people to seek relief from debts that are unmanageable or impossible to pay, known as bankruptcy. There are many types available, and most individuals and families choose a Chapter 7 bankruptcy because, if approved, it often results in the elimination of all eligible debts included in the filing. Not all debts are eligible for discharge through bankruptcy, and there are income limits that will apply, so it’s best to consult with an experienced bankruptcy lawyer to discuss your particular situation.
Chapter 13 bankruptcy is another popular option. It requires you to agree to and follow a repayment plan, which can be difficult for some filers, but it may also allow you to keep certain assets that would otherwise be liquidated under a Chapter 7 bankruptcy. Your specific set of debts, assets, and creditors will help determine which type of filling is best for you, and a knowledgeable attorney can offer valuable guidance.
You Don’t Have to Struggle with Debt Alone
For some people, the idea of filing bankruptcy may come with feelings of shame or failure. The most important point to keep in mind is that you are not to blame for your medical debt, and regardless of what your debtors are telling you (and regardless of the amount they are demanding), if there are better financial options available to you through bankruptcy, then exploring those opportunities is in your best interest.
Reach out to an Experienced Coronavirus Medical Debt Lawyer in Salinas Today
If you are overwhelmed by crushing medical debt related to the coronavirus, the focused coronavirus medical debt lawyers at Miranda, Magden & Miranda, LLP, in Salinas are well positioned and well prepared to help. Our savvy legal team is here for you, so please don’t wait to contact us for more information today.