Food, shelter and clothing, these are the basic needs of humans to live. But with the kind of world that we have today, I think money must be part of the list that I have mentioned because almost everything as of the moment, has a price tag attached to it. It is undeniable that there are a lot of individuals today are filing a medical bankruptcy. What do this term means? Allow me to give you a full grasp as regards this matter because it is a right that is given each and every citizen of the state.
Medical Bankruptcy is actually not a legal term. If you wanted to file a bankruptcy, you need for chapter 7 bankruptcy. In this kind of bankruptcy, you need to enumerate all the debts that you have both medical-related debts and non-medical debts. Also, you have to list all the creditors that you have.
Who are the people that most of the time experience financial problems? Based on the bankruptcy statistics, the single mothers and the elderly are the ones who usually file for bankruptcy. We all know that as individuals get older, the more often they got sick. On the other hand, single mothers shoulder all the medical bills of their children. Both these situations give the elderly and the single moms’ mountainous medical bills which force them to file for bankruptcy.
One of the basic questions of the people who file for bankruptcy is that, ‘do doctors have the right to refuse on curing them?’ Well actually, that is really a good question. Based on the facts that I have collected, I have found out that doctors, especially those who are working for public hospitals, do not have the right to refuse to any patient. This statement is based on the federal law provided by the state, since the hospitals are getting subsidy from the government, they do not have the right to refuse to anyone.
Another good question asked by the citizens, ‘how can I file a bankruptcy?’ the answer is very simple. You just have to prepare all the requirements and file for it. But it must be noted that once you have filed for the bankruptcy, you cannot file for it for six consecutive years. This only connotes that you do not have any protection from unwanted and unexpected debts for the said periods.
If you are planning to file for bankruptcy, it is advised that you first consult a lawyer. If you do not have the money to pay for them, you can go to the city lawyers. Learning the basic facts and laws regarding the bankruptcy is a must if you wanted to file for it. Being knowledgeable and prepared is the key for a successful filing.
Medical Bankruptcy is not as simple as you think. Filing for one has responsibilities attached to it. It is advised that you think twice before you make any further actions. Filing bankruptcy must be your last resort.
Source by Alison Gilbert
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