(This is Part Two in a multi-part series on whether Bankruptcy can be filed on Medical Bills in Michigan. Part One was published on March 14, 2018. Future installments will be filed once a week until conclusion.)
Liz is a senior citizen, living on a fixed budget in the Upper Peninsula of Michigan. She is very frugal and lives in a low income apartment. She carefully manages her small income and watches her expenses. She pays cash for everything, does not own a credit card and limits all her purchases to necessities like food, toiletries and medicines. She visits food pantries and scours the paper for coupons to compliment her income but finds it very difficult to make ends meet even on good months when there are no hidden financial pitfalls.
Recently, Liz got some bad news from her doctor. Her cancer had returned. Liz was first diagnosed with cancer 10 years ago when she was still working. At the time, her employer provided health insurance and it covered all but a small portion of her treatment. Unfortunately, Liz’s current insurance does not have the same coverage. Liz will be responsible for thousands of dollars towards her medical treatment and prescription costs. She has already incurred over $10,000 debt for the testing it took to tell her her cancer was back and the initial chemo and radiation treatments.
Although Liz is currently undergoing debilitating chemo treatment that leaves her nauseous and exhausted, she cannot get a good night’s rest. She lays awake worrying, praying and feeling ashamed that she got sick and ran up all these doctors’ bills. If the treatment does manage to cure her, how will she ever repay this massive amount of debt?
Liz has confided her worries to one of her friends from church. After listening to her troubles, the friend suggested Liz contact the Upper Peninsula Bankruptcy Lawyers: Church and Korhonen. The friend explained her son had used the firm to file bankruptcy on his behalf when the mine closed and the son lost his job and could no longer pay for his house and other living expenses. The friend went on to explain her son had gotten a fresh financial start by filing bankruptcy and now had a good job and could afford his living expenses. Perhaps Church and Korhonen could help Liz or at least tell her what options she had under the circumstances.
The friend gave Liz Church and Korhonen’s phone number, 906.226.0001 and explained that it wouldn’t cost Liz anything to explore her options because the firm offered free, initial consultations. What would Liz have to lose by calling them? Who knows? She might have everything to gain.
Liz promised her friend she would call Upper Peninsula Bankruptcy Lawyers as soon as she could. She planned to call first thing Monday morning.
Will Liz call to find out what bankruptcy can do for her? We hope so.