How Much Does It Cost to File Medical Bankruptcy

Title: How Much Does It Cost to File Medical Bankruptcy?


In an ideal world, we wouldn’t have to worry about the exorbitant costs associated with medical treatments. However, the unfortunate reality is that many individuals find themselves facing overwhelming medical bills, leading them to consider filing for medical bankruptcy. This article aims to shed light on the costs involved in filing for medical bankruptcy and provide answers to frequently asked questions regarding this process.

Understanding Medical Bankruptcy:

Medical bankruptcy refers to the process of seeking legal protection from overwhelming medical debt. It is a legal option available to individuals who are unable to pay their medical bills due to financial constraints. Filing for medical bankruptcy can provide relief by either erasing or reorganizing the debt, depending on the type of bankruptcy filed.

Costs Involved in Filing for Medical Bankruptcy:

1. Attorney Fees:
Seeking the expertise of a bankruptcy attorney is highly recommended when considering filing for medical bankruptcy. The cost of hiring a bankruptcy attorney can vary depending on factors such as location, complexity of the case, and the attorney’s experience. On average, attorney fees range from $1,000 to $3,500 for a chapter 7 bankruptcy case, and $2,500 to $6,000 for a chapter 13 bankruptcy case. It’s crucial to discuss these fees upfront with your attorney to avoid any surprises.

2. Court Filing Fees:
In addition to attorney fees, there are court filing fees associated with medical bankruptcy. Currently, the filing fee for a chapter 7 bankruptcy is $335, while for a chapter 13 bankruptcy, it is $310. These fees are set by the court and are subject to change. It is essential to consult with your attorney to determine the exact court filing fees applicable in your jurisdiction.

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3. Credit Counseling and Debtor Education:
As part of the bankruptcy process, individuals are required to undergo credit counseling and debtor education courses. These courses aim to provide financial education and guidance to individuals seeking bankruptcy relief. The costs for these courses can range from $20 to $100, depending on the service provider. It’s essential to choose a reputable and approved credit counseling agency to fulfill these requirements.

Frequently Asked Questions (FAQs):

Q1: Can I file for medical bankruptcy without hiring an attorney?
A: While it is technically possible to file for bankruptcy without an attorney, it is strongly discouraged. Bankruptcy laws are complex, and having an experienced attorney can greatly increase your chances of a successful outcome. It is highly recommended to seek professional legal advice when considering medical bankruptcy.

Q2: Will filing for medical bankruptcy eliminate all of my medical debt?
A: Filing for bankruptcy does not guarantee the complete elimination of all medical debt. However, it can provide relief by discharging or reorganizing debt, depending on the type of bankruptcy filed. The specifics of your case and the bankruptcy chapter you choose will determine the extent of debt relief you can expect.

Q3: Can I negotiate with healthcare providers to reduce my medical bills before filing for bankruptcy?
A: Yes, it is worth exploring negotiation options with healthcare providers before resorting to bankruptcy. Many healthcare providers are willing to negotiate and offer payment plans or discounts. It’s advisable to contact your healthcare provider’s billing department to discuss options for reducing your medical bills.

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Q4: Will filing for medical bankruptcy affect my credit score?
A: Yes, filing for medical bankruptcy will have a negative impact on your credit score. However, the extent of the impact will depend on your individual credit history and the state of your finances before filing for bankruptcy. Over time, with responsible financial management, it is possible to rebuild your credit score.


Filing for medical bankruptcy can provide individuals burdened with overwhelming medical debt a fresh start. However, it is crucial to be aware of the costs involved in this process to make informed decisions. By understanding the attorney fees, court filing fees, and other associated costs, individuals can navigate the medical bankruptcy process more effectively. Seeking professional guidance from a bankruptcy attorney is highly recommended to ensure a smooth and successful filing.