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Bankruptcy: Medical bills leave many in search of relief

A medical emergency can occur at any moment, and the fallout of such an event could have a devastating impact on one's finances. Medical debt continues to be a growing concern for many individuals in Ohio, and it remains one of the leading causes of bankruptcy filings. Those who feel they are drowning in medical bills may wish to know how to reduce the impact similar forms of debt will have on their futures.

When it comes to dealing with medical debt, consumers may find it imperative to gain a better understanding of their rights. Although similar concerns can have a disastrous impact on one's credit score, medical bills cannot be added to one's credit report for up to 180 days. During this period, a person retains the right to dispute a denial in insurance coverage. Should one's plan eventually pay for previous treatment, the debt must be removed from his or her credit report.

Individuals who are facing high levels of medical debt may also benefit from understanding the risks involved. For instance, failing to take action could lead to devastating consequences, as the negative impact on one's credit could affect various areas of his or her life. Consumers may also find it helpful to consider speaking with creditors and attempting to negotiate lesser payments or additional time to bring the account up to date.

While dealing with medical debt can be a harrowing process, it doesn't have to spell doom for one's finances. Individuals who are constantly dealing with high amounts of debt could choose to explore the relief provided through bankruptcy, but they might need guidance in making informed decisions. An attorney can help a person in Ohio better understand each of the available options for relief and assist him or her in developing a strategy to pursue a brighter financial future.

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