Suite 2800, Gulf Tower
Pittsburgh, PA 15219
412-391-8000
1-800-360-9392
An Avalanche of Medical Costs
Fred and Helen were both senior citizens in their late 70's. They had a variety of health related problems, including severe problems with their eyesight.
Although they were on Medicare, routine doctor visits were not completely covered and prescriptions were not fully paid; when they finally considered bankruptcy, they had run up over $15,000 in charges for routine medical visits and care, payable to different doctors, hospitals, drug stores, pharmacists and other medical personnel, which, on their fixed income, they were unable to afford. Of course they also had their normal costs to live: food, utilities, real estate taxes, clothing insurance and gasoline, car maintenance, etc.. In addition, they started putting their household expenses on credit cards when they could not pay the bills.
They were being called incessantly by those creditors demanding payment, which was extremely unsettling to them, to say the least. They had also begun to receive letters from attorneys who were threatening lawsuits against them, which made the situation even worse, since they were in danger of losing all they had to Sheriff's Sales. They decided to file for relief under Chapter 7, Since their house was worth $40,000, and they had no mortgage, they were able to keep it.
The Chapter 7 Petition allowed them to eliminate all their medical bills, relieve themselves of the crippling and potentially life threatening tension they faced daily from their creditors.
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