I lost my job and no insurance but filing for bankruptcy, can I include a new major medical bill?

Question

My wife went to emergency last night with a kidney stone. It is a large one and they may need to operate. We are (were) actually going to the attorney's office tomorrow to pay and start the bankruptcy filing.

Can this be included outright or will it be up for review? We really had no other option!

Answer 1

You can submit EXISTING medical bills to your bankruptcy...can you hold off on filing until after the procedure so that you can include that bill?  You should get a bill within a month of the procedure.  Can the bankruptcy wait that long?

Answer 2

You can include it, but I would think your attorney is going to want to wait at least a month or two before filing.  You want to make sure that all the medical bills have rolled in and are included before filing.  If not, you will be stuck with that debt.

Good luck.

Answer 3

All debts that exist PRIOR to the time of filing MUST be included.  A creditor may object to discharge, but if it's a necessity and they can't prove you never intended to pay, it should get discharged.  You should discuss this with your attorney.  I've never heard of a medical provider objecting to discharge.

Answer 4

Yes, I started my BK over six months ago after my house foreclosed. You can include it because it takes so long to file. But Goodluck getting a hospital to do the procedure with no insurance. Hope she gets the medical she deserves.

Answer 5

yes u can include ur medical bills any that are over-due and existing bills, utility bills,etc in a bankruptcy as long as they are within the past few years if i am not mistaken however u will need to bring the bill with u at the time of the file otherwise u can ammend it later but not without a cost. they will charge u a fee for adding it in later i am not sure but i think it goes by how much the bill is for but could be just 100- 400 but dont quote me on that amount.i think it also depends on the lawyer . i filed a couple years ago. hope this helps