One Emergency Can Leave You Buried In Medical Debt
In the United States, medical debt is one the leading causes of bankruptcy. Even the most prepared individuals may not be able to pay the crushing bills that accumulate over the course of a long illness or an unexpected and severe injury. The situation is even direr for those with little or no insurance to cover part of the cost of their care.
Medical debt is a significant cause of bankruptcy in the United States, with as many as one million people every year declaring bankruptcy due to their medical bills.
The dedicated New York medical debt attorneys at O'Connor First can provide you with the financial relief and peace of mind that you need when you face massive medical debt. Because most medical debt is classified as unsecured, it can be eliminated or reduced via bankruptcy or an alternative payment plan.
Reducing Or Eliminating Your Medical Debt
When hospitals cannot collect payment, they retain the services of collection companies. The aggressive tactics used by these companies — constant calls, an endless stream of demand letters and even threats — can cause undue stress and make a person feel hopeless.
Our lawyers carefully analyze your financial situation to determine the best path forward for debt relief. Chapter 7 bankruptcy may be best for completely discharging your debt, but in some situations Chapter 13 bankruptcy may be more beneficial in allowing you to catch up in your payments.
We will assess your specific circumstances, and give you custom-tailored advice about whether bankruptcy or some other form of debt relief is best for your situation.
Board-Certified Bankruptcy Attorney With 35-Plus Years Of Experience
Under the direction of Albany attorney Michael J. O’Connor, our knowledgeable bankruptcy group has helped eliminate or reduce debt for thousands of clients throughout New York.
Mr. O’Connor has represented clients in bankruptcy matters since 1980, has been selected for inclusion in New York Super Lawyers every year since 2007 and has the highest rating through Martindale-Hubbell (AV Preeminent*). He is also board-certified in consumer and commercial bankruptcy by the American Board of Certification.
We draw on Mr. O’Connor’s in-depth knowledge of bankruptcy law and proven bankruptcy strategies to ensure that our clients receive the full benefits of utilizing Chapter 7 bankruptcy, Chapter 13 bankruptcy or other debt reduction tools.
Learn More About Your Options, Schedule Your Consultation
*AV®, AV Preeminent®, Martindale-Hubbell Distinguished and Martindale-Hubbell Notable are certification marks used under license in accordance with the Martindale-Hubbell certification procedures, standards and policies. Martindale-Hubbell® is the facilitator of a peer review rating process. Ratings reflect the anonymous opinions of members of the bar and the judiciary. Martindale-Hubbell® Peer Review Rating™ fall into two categories – legal ability and general ethical standards.
We are a federally designated debt relief agency proudly helping people file debt reorganization plans and bankruptcy for over 35 years.