Medical Debt Lawyer in New York
Providing Solutions for Clients with Overwhelming Medical Debt
Unexpected injuries and long illnesses can easily bury good people in medical bills. Even if you have health insurance, one serious illness or accident can get you in over your head financially. The stress that accompanies unpaid hospital bills often results in feelings of hopelessness and despair. In the United States, overwhelming medical debt is one of the main reasons why consumers file bankruptcy.
Unfortunately, having health insurance does not protect people from the growing costs in the healthcare industry. Whether it is the large co-pays that come with high medical bills or the number of non-covered services and other out-of-pocket costs, medical bills can quickly escalate. For those people who suddenly lose employer-sponsored health benefits, the result can be catastrophic. When the only alternative is a high-priced COBRA plan, many people are left struggling to cover medical bills without even a job to help.
If your medical debt has gotten out of control, you need the assistance of a knowledgeable lawyer. New York medical debt lawyer Robert Jacovetti can assess your situation and advise you on the right path to financial stability.
Call Jacovetti Law, P.C. at (516) 217-4488 today to schedule a free 30-minute initial consultation.
When Hospitals Hire Collection Agencies to Recover Payments
When hospitals are unable to collect payment for medical bills, they hire collection companies to do the job. Unfortunately, debt collectors often try to recover missed payments by using harassment and abusive tactics that leave debtors feeling emotionally devastated.
Most people who have excessive medical debt are not the deadbeats the credit industry attempts to make them out to be. The last problem a recovering patient needs is stress from an unscrupulous debt collector.
People with missed payments may struggle to regain control by taking out high-interest loans, and many of them apply for second mortgages to cover payments. When those payments cannot be made, people end up risking their homes. Thankfully, there are practical solutions to eliminate or reduce medical debt and obtain the relief you deserve—and Jacovetti Law, P.C. can help you find them.
How to Dispute Medical Collections
- Gather Information - Collective information on who you are talking to you, and their contact information. Also get information on who the healthcare provider is, how much you owe them, and the date you incurred those charges.
- Get Verification of the Debt - The debt collection agency is required to send you a letter with the details of who the creditor is, the amount you owe, and your rights as a consumer.
- File a Dispute in 30 Days - After you get a verification letter, you have 30 days to dispute medical collections through email or a certified letter. It is important to keep a copy of the email or letter and send it certified so that debt collectors can't say they lost the letter.
New York Hospitals Must Follow Specific Medical Debt Rules
In the state of New York, hospitals must follow certain rules regarding debt collection. They must provide patients with written notices of their financial assistance policies including sliding-scale options and discount rates. Additionally, hospitals are not allowed to mail collection letters to patients who are already in the process of acquiring financial assistance.
Before hiring a collection agency, hospitals throughout New York must first provide patients with a written 30-day notice. If the collection agency decides to sue for unpaid medical bills, it must first get consent from the hospital. In addition, although a hospital is allowed to place a lien on a patient’s home after a judgment, it cannot foreclose on a patient’s home.
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Bankruptcy can help people start over with a clean slate. There are two types of bankruptcies: Chapter 7 and Chapter 13. Medical debt is considered unsecured debt, which means it is covered by both types of bankruptcy. With Chapter 7, debtors can discharge all medical debt and with Chapter 13, they can set up interest-free debt repayment plans for medical debt.