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Credit card debt, medical debt, and general unsecured loans are the most common debts anyone files bankruptcy on. Bankruptcy allows you to discharge all of these types of debt.
Credit card debt generally accumulates from the disparity between income and spending. In many cases, people throw onto the credit card unexpected medical bills, emergency expenses, and even everyday spending, such as on groceries. Over time this behavior results in debt that may be difficult to pay off without an increase in income or a reduction in living expenses.
Medical debt is a type of unsecured debt and usually occurs out of a health emergency, such as an unexpected catastrophic illness or injury. With inadequate health coverage, expenses go uncovered by insurance or social programs, and the burden accumulates on individuals and their families.
Bankruptcy allows for discharging medical debt, and most people have no issues continuing their medical care, even when they are wiping out medical debt from a current provider. When you file bankruptcy, you must include all unsecured debt. You are not able to choose which debt gets included in the bankruptcy.
Bill Kain and Margaret Henehan have over 60 years of combined bankruptcy experience and have helped hundreds of Minnesotans get back on their feet after getting weighed down by debt.
At Kain + Henehan, we love people. We never view your story as a source of shame or embarrassment. We truly care about our clients and want to help them live their best lives.
Bill and Margaret are respected among their peers and colleagues. Their positive relationships within the bankruptcy court system leads to positive outcomes for their clients.
Medical and credit card debt can feel overwhelming, but bankruptcy offers real relief. Once your Chapter 7 discharge is granted—typically around 90 days—creditors are no longer allowed to pursue collection, giving you the fresh start you deserve. This is your opportunity to rebuild credit, set a budget, and create financial stability for the future. A Chapter 7 bankruptcy may be the solution you’ve been searching for.
Schedule your free consultation with a Kain + Henehan chapter 7 bankruptcy attorney today.
Outstanding, absolutely outstanding. . . My only regret is that I did not pursue representation for my case sooner. I cannot speak highly enough of this firm and their services.
Outstanding, absolutely outstanding. . . My only regret is that I did not pursue representation for my case sooner. I cannot speak highly enough of this firm and their services.
Outstanding, absolutely outstanding. . . My only regret is that I did not pursue representation for my case sooner. I cannot speak highly enough of this firm and their services.