Can I File Bankruptcy on Medical Debt Only?

A free guide for New York residents. Filed in S.D.N.Y..

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, c

What You Need to Know

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 York:

Courthouse: One Bowling Green, Manhattan.

Frequently Asked Questions

Can I File Bankruptcy on Medical Debt Only?

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.

How does this work in New York?

Filed in S.D.N.Y.. Consult a qualified attorney for your specific situation.

Where do I file?

One Bowling Green, Manhattan.

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