Welcome to Aronow Law, P.C.
At Aronow Law P.C., we know that medical debt can be one of the most stressful financial burdens anyone faces. A sudden illness, emergency, or surgery can lead to bills that pile up faster than you can pay them. Our firm helps individuals and families across New York explore bankruptcy options that may eliminate or reduce their medical debt while protecting essential assets and restoring peace of mind.
Understanding Medical Debt in Bankruptcy
Medical debt is considered unsecured, the same as credit cards or personal loans. This means it’s not backed by collateral, like a house or car. Because of that, it’s often eligible for discharge in bankruptcy, depending on the type of filing and your financial situation.
At Aronow Law P.C., we help clients understand the differences between Chapter 7 and Chapter 13 bankruptcy and determine which approach offers the best relief.
Chapter 7 Bankruptcy: Wiping Out Medical Bills Completely
In a Chapter 7 bankruptcy, most unsecured debts—including medical bills—can be fully discharged.
This process typically takes about 3–6 months and offers a complete financial reset for those who qualify.
You may be eligible if:
- You have limited income or assets
- You’re unable to make regular debt payments
- You pass the means test under New York law
Once your Chapter 7 is approved, creditors must stop collection efforts immediately. You’ll no longer be legally obligated to pay the discharged medical debt.
Chapter 13 Bankruptcy: Repayment and Relief
If you don’t qualify for Chapter 7 or wish to protect certain assets, Chapter 13 bankruptcy may be the better option.
Under Chapter 13, you’ll create a repayment plan lasting 3–5 years that allows you to pay a portion of your debts—including medical bills—based on what you can afford.
After completing the plan, any remaining medical debt is discharged, offering a manageable path toward recovery.
Can All Medical Debts Be Discharged?
Most medical bills qualify, but there are exceptions. For example:
- Recent medical expenses charged shortly before filing may be questioned if they appear fraudulent.
- Co-signed or joint debts may still affect another person’s liability.
- Debts linked to personal injury settlements or non-dischargeable obligations could require review.
A knowledgeable bankruptcy attorney can evaluate your case and help you understand what’s eligible for discharge.
Other Benefits of Filing Bankruptcy for Medical Debt
Filing bankruptcy offers more than debt discharge—it provides legal protection and breathing room.
You’ll benefit from:
- An automatic stay that immediately stops collections, wage garnishments, and lawsuits
- Protection from harassment by creditors
- A clear path toward rebuilding credit and financial stability
At Aronow Law P.C., we ensure every client understands how bankruptcy impacts their credit, assets, and long-term financial goals.
Alternatives to Bankruptcy
Bankruptcy isn’t the only solution. Depending on your situation, you may also consider:
- Negotiating directly with medical providers for reduced bills or payment plans
- Debt consolidation to simplify multiple payments
- Hardship programs offered by hospitals or clinics
Our attorneys can help you weigh these options before deciding if bankruptcy is right for you.
Why Choose Aronow Law P.C.
At Aronow Law P.C., we provide compassionate, experienced representation for individuals overwhelmed by medical or consumer debt.
We’ll review your income, expenses, and goals to determine whether Chapter 7 or Chapter 13 offers the most effective relief. We aim to help you move forward with confidence and peace of mind.
Take the First Step Toward Financial Recovery
If medical debt has become unmanageable, you don’t have to face it alone.
Contact Aronow Law P.C. today for a free consultation. We’ll review your case, explain your bankruptcy options, and guide you toward a fresh financial start.
Book Your Free Consultation Today!
Take the first step toward financial freedom. Aronow Law P.C. is here to help you stop collections, protect your property, and find lasting debt relief.
Contact us today to schedule your free consultation and rebuild your financial future.
Frequently Asked Questions
Can bankruptcy erase all my medical bills?
Yes, most medical debt can be discharged under Chapter 7 or reduced through a Chapter 13 repayment plan.
Will filing for bankruptcy affect my ability to get future medical care?
No. Hospitals and doctors cannot deny care based on a previous bankruptcy filing.
Do I lose my home or car if I file for bankruptcy in New York?
Not necessarily. New York exemptions protect your primary residence, vehicle, and essential property.
Can I file bankruptcy for medical debt only?
Yes. You can file even if your primary issue is medical debt. Bankruptcy law does not require you to include other types of debt.
How soon can I rebuild my credit after bankruptcy?
Most people begin rebuilding within months by managing finances responsibly and making timely payments.
