When Michigan residents are injured or have an illness requiring medical care, they are likely to face overwhelming medical bills. A survey showed that a quarter of American families found it difficult to settle their medical accounts in 2012. It also indicated that one family out of every ten had medical debt that they would be unable to pay.

A big concern that was expressed is that serious illnesses can go untreated when people don’t have health insurance. One physician reported that a patient failed to seek medical care for a breast tumor because she was without health insurance. If illnesses like cancer are not treated timely, the consequences can be fatal. Doctors stated that even those signing up for the Affordable Care Act may struggle to afford the payments.

Fortunately, there are various legal options available to help families overcome their desperate situations. When residents are harassed by care centers or hospitals regarding unpaid medical bills, it may be time for them to explore these options. A possible solution may be to opt for the protection of Chapter 7 bankruptcy whereby unsecured property is sold to pay medical debts. Another option available could be to work with the court on a payment plan by filing for Chapter 13 bankruptcy.

By gaining an understanding of the many financial options available to them, Michigan residents may be able to select the option that will serve their best interests. Finding a way to resolve a difficult financial situation may provide peace of mind and be a start toward building a stable future. Victims of excessive medical debt may finally be relieved of the stress caused from the constant harassment of debtors.

Source: wreg.com, Most Americans struggle to pay medical bills, Melissa Moon, Feb. 6, 2014

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