"Can Hospitals Garnish Wages" Discussion

Upsolve Community Member
If the time of service was after your case was filed, it's considered a https://upsolve.org/learn/post-petition-debt/. Anything from before filing will be covered, even if the invoice comes later. What's key is to collect all the relevant information (and mailing address) from your provider so you can rest assured that the bankruptcy court notices will be sent to the correct address. 

Upsolve Community Member
Andrea's exactly right- what matters is the date the debt was incurred, not the date that you received the bill 

Upsolve Community Member
The important thing to consider here is that debt incurred after filing isn't dischargeable in this bankruptcy. This might be helpful: https://upsolve.org/learn/how-often-can-you-file-bankruptcy/ 

Upsolve Community Member
Hi Joseph,  Here is an Upsolve article that covers this topic: https://upsolve.org/learn/do-not-remember-creditors-owed-chapter-seven-bankruptcy/ Do not hesitate to ask any further questions.

Upsolve Community Member
 One way to find debt amounts is to get a current copy of your credit report. https://upsolve.org/learn/get-your-free-credit-report/ Please reach out with any other questions.

Upsolve Community Member
Other Upsolvers have also found it helpful to look at old bills! Sometimes, certain debts won't show up on your credit report, so it's usually a good idea to check wherever you can. 

Upsolve Community Member
Hi Debra, I am sorry to hear about your mounting medical bills. Perhaps this article, from the Upsolve Learning Center, will help https://upsolve.org/learn/getting-out-of-medical-debt/ Good luck! :-) 

Upsolve Community Member
Debra, although Mark's article directly answers your question, you might also be interested in reading https://upsolve.org/learn/type-debt-erase-chapter-7-bankruptcy/. The article does list medical debt as a type of debt that can be erased during a Chapter 7 bankruptcy. 

Upsolve Community Member
Thanks for asking this, Debra- yes, generally speaking, medical debt is dischargeable in bankruptcy. That doesn't necessarily mean that bankruptcy is your best or only option. You can also consider other options if you choose. 

Upsolve Community Member
Hi Bridget, I'm sorry you are going through this. Here is an article to help you out: https://upsolve.org/learn/believe-creditor-listed-on-my-petition-has-violated-automatic-stay-what-can-i-do/

Upsolve Community Member
Bridget, you might also be interested in reading https://upsolve.org/learn/what-to-do-if-creditor-keeps-contacting-me/

Upsolve Community Member
Keep us updated on what happens, Bridget? 

Upsolve Community Member
Hi Jennifer! If you are the responsible party for payment and she is the patient, yes. Here is an article from the Upsolve Learning Center: https://upsolve.org/learn/get-rid-of-medical-bills-in-bankruptcy/. I hope this helps and good luck! :-)

Upsolve Community Member
You might also want to read the article https://upsolve.org/learn/type-debt-erase-chapter-7-bankruptcy/. It has an informative list of the different types of debts that can be discharged in bankruptcy. 

Upsolve Community Member
The key factor here is who is the "responsible party." Most of the time, for a person under 18, that is their parent/legal guardian. You might be able to check with the hospital or doctor's office to confirm that you are the responsible party for the debt

Upsolve Community Member
Thanks for asking and Please let us know if you have any other questions!