Leeds, AL asked in Bankruptcy for Alabama

Q: why would medical bills, less than 5 years old disappear on your credit report. From 70,000 to 35,000 in 6 months

several months ago I obtained my 3 credit reports and had 70-90000 in medical debt. All of these are less than 5 years old so they would not have expired that way. On my credit report today, I only was reported as having 35,000 in medical debt. The largest bills were not indicated on the report. I am wanting to file chapter 7. Can these debts reappear? How would that work if I file bankruptcy while they are not showing...but were showing just 6 months ago.

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1 Lawyer Answer
Rafael Gil III
Rafael Gil III
  • Bankruptcy Lawyer
  • Dothan, AL

A: Not really sure how the accounting of a medical provider works. As you know insurance can pay for some things, the hospital can write some other things off. When you file chapter 7 bankruptcy, just list the medical providers that you used in the past to make sure. Good things about chapter 7 bankruptcy is that of you accidently leave off a creditor, the debt is STILL discharged!!! As long as you didn't purposely leave a creditor off of the petition.

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