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Medical Debt: How a Las Vegas Bankruptcy Attorney Can Help

Explore Medical Debt Relief Through Bankruptcy

Medical bills can leave you feeling stuck in a high-stakes game you can’t win. Every paper statement weighs heavy, a constant reminder of a burden that shouldn’t exist. You’re not alone. Millions struggle with crushing medical debt, a tangled mess that strains finances and steals peace of mind. 

But there’s hope. You have options. And a medical debt attorney is one of them.

Quick Summary:

  • Common Issues with Medical Debt:
    • Financial strain: Medical bills can deplete savings, making it challenging to cover essential needs like housing and food.
    • Debt collection harassment: Unpaid medical bills may lead to aggressive debt collection tactics, affecting mental health.
    • Credit score damage: Medical debt can harm credit scores, impacting loan eligibility and job prospects.
    • Delayed necessary care: Fear of additional debt may lead individuals to postpone vital medical treatment, risking worsening health conditions.
  • Options for Medical Debt Relief:
  • Debt Settlement:
    • Pros: Potential significant debt reduction, avoidance of bankruptcy, cessation of debt collection calls.
    • Cons: Short-term credit score impact, negotiation service fees, no guaranteed success.
    • Consider if: Able to make lump sum payment, tolerate temporary credit score dip, overwhelmed by debt.
  • Chapter 7 Bankruptcy:
    • Pros: Quick debt elimination, fresh financial start, end to creditor harassment.
    • Cons: Significant credit score hit, potential loss of non-exempt assets, may not suit high-income individuals.
    • Consider if: Facing substantial and unmanageable debt, foreclosure or repossession, struggling to meet basic needs.
  • Chapter 13 Bankruptcy:
    • Pros: Retain assets, potential overall debt payment reduction, less severe credit score impact.
    • Cons: Strict repayment plan for years, may not suit high-income earners, fees associated.
    • Consider if: Regular income, ability to make monthly payments, desire to keep assets and rebuild credit.
  • Why Hire a Las Vegas Bankruptcy Attorney:
  • Legal Experience:
    • Navigating Nevada’s legal maze requires experience, and attorneys ensure your rights are protected.
  • Negotiation Skills:
    • Attorneys act as negotiation champions, fighting for your best interest and potentially reducing debt through settlements.
  • Emotional Support:
    • Facing medical debt is stressful, and attorneys serve as advocates and confidantes, guiding clients with compassion.
  • Peace of Mind:
    • Having a skilled attorney provides relief, allowing clients to focus on healing while legal battles are handled.

Understanding Medical Debt

U.S. healthcare ballooned to $4 trillion a year, and the costs are so crushing, even crowdfunding helps: 30% of online campaigns are for medical debt.

Millions, like you, struggle with medical bills. Altogether, those bills pile up to $200 billion – that’s almost as much as Greece’s entire economy! While there isn’t a specific “medical bankruptcy,” medical bills play a huge role in bankruptcy cases. A study found that over 60% of people who file for bankruptcy have significant medical debt.

Even beneath the weight of medical debt, there’s hope. Knowledge is power. By understanding your options, you can navigate this burden and reclaim your financial well-being.

What are the Common Problems That Come With Medical Debt?

Recognizing these issues can be the first step to finding solutions and regaining control.

  • Financial strain: Medical bills can quickly drain your savings and leave you living paycheck to paycheck. This can make it difficult to afford basic necessities like housing, food, and transportation.
  • Debt collection calls and harassment: Unpaid medical bills can be sent to debt collectors, who may resort to aggressive tactics like frequent calls and threats. This can be emotionally draining and negatively impact your mental health.
  • Damage to credit score: Medical debt can significantly damage your credit score, making it difficult to qualify for loans, mortgages, and even certain jobs. This can have long-term consequences for your financial well-being.
  • Delaying or avoiding necessary care: When burdened with medical debt, people may be hesitant to seek necessary medical care for fear of incurring even more debt. This can lead to worsening health conditions and further expenses in the long run.
  • Impact on mental and emotional health: The constant stress of medical debt can lead to anxiety, depression, and other mental health problems. It can also strain relationships and negatively impact your overall quality of life.

What Are My Options To Get Rid of Medical Debt?

There are options to navigate this challenge and find financial sunshine again. Let’s explore three common strategies:

Debt Settlement:

Debt settlement programs focus on negotiating settlements with your creditors, aiming to significantly reduce the overall amount you owe. Through targeted discussions, these programs strive to reach agreements where you potentially pay only 30-50% of your original debt. 


  • Potentially reduce your debt significantly
  • Avoid bankruptcy and its negative impact on credit
  • Stop harassing debt collection calls


  • Can damage your credit score in the short term
  • Fees associated with negotiation services
  • No guarantee of success; creditors may not always agree to settle

Consider this if:

  • You have the funds for a lump sum payment
  • You can tolerate a temporary credit score dip
  • The debt burden is overwhelming and other options seem unfeasible

Chapter 7 Bankruptcy:

Think of Chapter 7 bankruptcy as hitting the financial reset button. This option lets you eliminate most of your eligible debts (including medical debt) through a court-ordered process. Assets may be liquidated to pay creditors, with exemptions for essential items like your home and car.


  • Quick debt elimination (usually within 3-6 months)
  • Fresh start for your finances
  • Stop all creditor harassment


  • Significant hit to your credit score for several years
  • Potential loss of non-exempt assets
  • May not be suitable for everyone with high income or assets

Consider this if:

  • You have significant and unmanageable debt
  • You face foreclosure or repossession
  • You are struggling to meet basic needs due to debt

Chapter 13 Bankruptcy:

In Chapter 13, you create a repayment plan with a court-appointed trustee, usually lasting 3-5 years, to pay off a portion of your debt with your income. After successfully completing the plan, any remaining eligible debt is discharged.


  • Keep your assets
  • Potentially reduce your overall debt payments
  • Stop creditor harassment
  • Less severe impact on credit score compared to Chapter 7


  • Requires adhering to a strict repayment plan for several years
  • May not be suitable for high-income earners
  • Fees associated with bankruptcy filing and attorney representation

Consider this if:

  • You have a regular income and can afford to make monthly payments
  • You want to keep your assets and rebuild your credit
  • You have a mix of secured and unsecured debt

Why Do I Need a Las Vegas Medical Debt Attorney?

Facing medical bills? Going solo in Nevada is risky. Here’s why:

  • Nevada’s legal maze: Specific laws protect you from unfair debt collection, but navigating them requires experience. Attorneys know the ropes and ensure your rights are protected.
  • Negotiation champions: Debt collectors play hardball. Your attorney fights for your best interest, potentially slashing your debt through settlements or payment plans.
  • Emotional support: Medical debt is stressful. Attorneys are your advocates and confidantes, guiding you through the process with compassion.
  • Peace of mind: Knowing your case is in skilled hands brings immense relief. Focus on healing while your attorney handles the legal battles.

Don’t risk it. Find a Nevada medical debt attorney with proven experience, understanding, and clear communication. It’s an investment in your future, not just your finances.

Call our Las Vegas Medical Debt Attorney Now!

Drowning in medical bills? Feeling overwhelmed by debt collectors? You’re not alone. Navigating the complexities of medical debt in Nevada can be daunting, especially with the unique laws and regulations governing collection practices. Here at Riggi Law Firm, we understand your struggle. We’ve seen it firsthand, and we’re here to guide you through this challenging time with the knowledge and compassion you deserve.

Why Riggi Law Firm is Your Lifeline:

  • Experience Matters: In a sea of 8,641 lawyers in Las Vegas, only 24 have over 10 years of bankruptcy experience. And of those, only David A. Riggi boasts the unique trifecta: a former bankruptcy law clerk for a federal judge, an attorney for the United States, and a Top 2% national ranking among all lawyers. This unparalleled combination ensures your case is in the hands of a legal titan, not a novice navigating rough seas.
  • Debt Collection Savvy: Nevada’s Fair Debt Collection Practices Act and Senate Bill 248 offer you specific protections. We know these laws inside and out, and we’ll ensure debt collectors don’t take advantage of your vulnerability. We’ll fight for your rights, stop harassment, and ensure fair treatment every step of the way.
  • Negotiation Powerhouse: Debt collectors often play hardball. But David Riggi is not your average lawyer. He’s a seasoned negotiator, adept at securing the best possible outcomes for his clients. Whether it’s a significant debt reduction or a workable payment plan, Riggi Law Firm will fight tirelessly for your financial relief.
  • Compassionate Advocate: Facing medical debt is emotionally draining. We understand. David Riggi is not just a lawyer; he’s a compassionate advocate who listens to your concerns, answers your questions, and provides unwavering support throughout the process. You won’t be just another case; you’ll be a valued client treated with respect and understanding.

Contact Riggi Law Firm and let us help you navigate the choppy waters of medical debt. Together, we can find calm seas and financial stability.

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