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Medical Debt to Steal a Starring Role in 2021

billing statement sheet with stethoscope

Being sick or hurt makes life incredibly difficult, and especially when you have to heal over the long-term. It’s not easy to get better either when you are worried about all the bills coming in, the loss of a job or the inability to work there either temporarily or permanently, and juggling all the daily tasks that must be met too.

Medical bankruptcies are expected to increase as the financial fallout from COVID-19 continues. And although there may be some relief or help from the government with new bills in the works, millions of Americans have lost their jobs, suffered illness, and are also grieving the deaths of family and friends. Debt issues play a huge part in the challenges facing people right now but that didn’t just begin in 2020, as consumer and household debt were already reaching historical highs.

Health issues and medical bills are typically the number one reason that US citizens file for bankruptcy, and it does not appear that will be changing for quite some time. There are options, however, if you are worried about ongoing delinquencies and are being hounded by creditors and debt collectors. Unfortunately, if you have been sick or were hurt and out of work (or lost your job due to repercussions from COVID-19) you may have had to rely on credit cards as a means of alternative income. That type of spending acts as a stop-gap in times of desperation, but will come back to haunt you quickly as creditors do expect to be paid back.

The bottom line is that you may find yourself dealing with a lot of different issues, aside from medical debt. Speak with an attorney from Fitzgerald & Campbell, APLC as soon as possible, and especially if you have recently had the experience of opening your door to a private process server or deputy delivering a summons and complaint to let you know that you are being sued. This type of legal action must be dealt with as soon as possible so that you can preserve your financial future as much as possible.

If you do not reply to the collection lawsuit and a default judgment is granted against you, believe it or not, the headaches can get worse in the form of having to hand over up to 25 percent of your disposable income, dealing with property seizure, and even loss of control over your checking accounts.

Speak with an attorney from Fitzgerald & Campbell, APLC as soon as possible to examine your options. Our attorneys have decades of experience in serving clients as they navigate through challenging financial situations, to include student loan issues, bankruptcy, and other debt management processes. We are here to help! Click here to schedule a free 30-minute consultation, call us at (844) 431-3851, or email us at

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