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Medical Debt and Bankruptcy

Milford, Massachusetts Bankruptcy Lawyer

Medical care for chronic or catastrophic illness is the #1 cause of bankruptcy in the U.S. While Massachusetts residents are in better shape than residents of most states in the U.S. because of the Access to Affordable, Quality, Accountable Health Care Act, that safety net provides only a minimum level of coverage. The truth is, many Massachusetts families still find themselves in financial hardship because of high deductibles, large copayments and uncovered services.

You still have a life to live.

If most of your income is going to pay for medical debt, you aren't being fair to yourself or to your family. Talk to a Milford, MA, bankruptcy attorney at the Law Office of Raymond Mastroianni about your options. We help families in Worcester, Framingham and in all Metrowest towns. We can review your bills to see if repayment is even possible. Filing for bankruptcy may be the best step you can take for the well being of your family.

Call (508) 473-8801 or email our office to schedule an appointment. Your initial consultation is free.

Chapter 7 and Chapter 13 Bankruptcy: Two Ways to Deal with Medical Debt

Chapter 7 and Chapter 13 bankruptcy address debt in different ways. We will look at your full financial picture in order to determine which one will provide you with the greatest debt relief.

Chapter 7: If you have a substantial amount of medical debt, your income is modest and you have few assets, you probably qualify for a FRESH START with Chapter 7 bankruptcy. Under Chapter 7, all of your medical debt is discharged. You do not have to repay it.

Chapter 13: If you have a steady income and could repay some of the medical debt over time, you may qualify for a Chapter 13 bankruptcy, which can both restructure and discharge debt. For example, with Chapter 13 we may be able to have some of your debts cleared completely while interest rates are lowered and repayment schedules are extended for other debts.

Talk with a Bankruptcy Attorney About Bankruptcy and Medical Debt

You and your family have gone through a lot as you struggled with medical problems. Sometimes the stress of health issues and debt cause couples to divorce. If you are contemplating divorce I recommend working with a divorce mediator to keep the cost of a divorce at a minimum. Let us help you through the financial problems that remain. Contact our Milford law office or call (508) 473-8801.

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Earlier this week I received the documents from you relating to discharging my credit card debt. Thank you for your great service, your kindness and the confidence you inspired. Initially, I found the process very upsetting and stressful, but was relieved once the process got started. It was also a comfort knowing that all the legal parts of this situation were being handled by you and your staff. Everyone was easy to work with. Thank you, and have a great fall. - Cindy F.

Attorney Mastroianni thank you for your prompt response to my difficult financial situation. By educating me about my options I was able to work with you so that now on the other side of my bankruptcy having gotten the documents from the court yesterday. I feel lucky I found a lawyer who is professional but also easy to talk to and friendly. -Ned H.
Milford, MA

Without hesitation I will recommend you to my friends. Through bad luck I ended up in a financial situation I never thought I would be in. It was not easy to reach out to a lawyer and look at my options to deal with my debt but it became clear to me that working more hours in my job was never going to get me out of the situation I was in. My situation has turned out better than I could have imagined. I only wish I had done it sooner. - Julio S.
Franklin, MA

Thanks for all your kindness toward me and all the appreciated help. You helped change my life. - J.D. Metrowest


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Raymond M. Mastroianni
231 East Main Street, Suite 202
Milford, MA 01757

Local 508-473-8801 Cell Phone 508-400-1295 Toll Free 800-301-0000 Fax 508-473-8821


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