Q: I'm nearly 3 years into chapter 13. My wife just had a kid but insurance didn't cover enough, I now have a $4K bill. ..
I was told that I could get into additional medical debt without court permission. Should I be signing up for the 2 year, 150/month payment plan or contacting lawyers to get it included into bankruptcy or ...?
A: If you have an attorney representing you in your bankruptcy you should contact them about this issue. Chapter 13 Debtors are generally ordered not to incur debt without court approval however, there is an exception for necessary medical treatment. The debt is generally not included in the bankruptcy if it was incurred after the case was filed. The creditor cannot force you make payments while you are in an active Ch. 13 where the automatic stay is in effect. You should contact your bankruptcy attorney about this issue as soon as possible.
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