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Unemployed Struggle with Medical Debt & No Insurance

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Although many had hoped that the days of COVID-19 were over, as new variants keep popping up, the future remains questionable in terms of saying goodbye to the ‘new normal’ experienced with pandemic life. Unfortunately, many financial repercussions accompany this new normal. At the outset, the US was stricken by horrendous unemployment, the likes of which had not been seen in decades.

With tens of millions of people out of jobs and quickly becoming uninsured, paired with millions sick with the coronavirus, this meant skyrocketing medical debt and credit card debt for many—along with delinquencies in auto debt, student loan debt, and more. For so many people who rely on their income paycheck-to-paycheck, and

Medical debt leading to bankruptcy is nothing new; in fact, in the US, unpaid medical bills and collections are the number one reason leading debtors to file for bankruptcy. Now, with the repercussions of a viral pandemic affecting so many, this problem is sure to continue growing. As a by-product, credit card debt has worsened for those who had to use credit cards until they ran out. This could have meant paying bills, buying groceries, buying prescriptions—but also, paying for medical co-pays and expensive procedures.

If you are concerned about escalating debt, speak with a debt protection attorney from Fitzgerald & Campbell, APLC as soon as possible to find out what your best plan of action is for the future. If you have already received a summons and complaint from a private process server or a deputy, it is even more important to have a sense of urgency about dealing with the issue. Although the majority of defendants being sued over collection lawsuits may choose to do nothing at all, that strategy (or actually, a complete lack of strategy) can seriously backfire, leading to worse problems if a default judgment is granted against you.

In the event of a lawsuit, speak with your attorney about replying within 20 to 30 days, and either working on a defense—which could be much easier than you imagine—or potentially, negotiating a deal to pay off your entire debt in one lump sum at a discounted rate. In many cases, this could mean that you pay pennies on the dollar, and rid yourself of unwanted debt. This also means avoiding any of the problems that come with default judgments, including wage garnishing and other more aggressive actions to see debts satisfied.

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 issuesbankruptcy, 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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