In Chapter 7 bankruptcy, most unsecured debt is discharged, or wiped out. This means that you will not have to repay your medical debt after your bankruptcy case is closed. However, there are some exceptions to this rule. For example, you may still have to repay medical debt if it was incurred through fraud or if it is a recent debt that has not yet been discharged.

In Chapter 13 bankruptcy, you will create a repayment plan with your creditors. This plan will typically last for 3-5 years, and you will be required to make monthly payments to your creditors. Your medical debt will be included in your repayment plan, and you will be required to repay at least a portion of it.

Jason C. Amerine
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President and Owner, Castle Law Office of Kansas City