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Medical Services Debts

In 2005, Congress made sweeping changes to the Bankruptcy Code. One of those changes made debts for medical services non-dischargeable. That meant even if you filed for bankruptcy, you still would have to pay off your medical services debts in full. Fortunately, for people with medical bills, Congress quickly recognized the unfairness of this provision. A large percentage of all bankruptcy filings include medical services debts. Frequently, those debts are the primary reason a debtor chooses to file bankruptcy. Because that was the case, with good reason, Congress rewrote the code and took out the provision that said medical services debt could not be discharged. So, today, medical services debts are dischargeable. They are treated the same as any other unsecured debt. At the end of your bankruptcy case, you will be completely relieved of any liability for medical services debt, regardless of the amount.