An avalanche of medical costs

Homer and Marge were senior citizens in their late seventies. They had a variety of health related problems, including severe problems with their eyesight.

Although they were on Medicare, routine doctor visits were not completely covered and prescriptions were not fully paid. They had run up over $15,000 in charges for routine medical visits and care, payable to different doctors, hospitals, drug stores, pharmacists and other medical personnel. They were on a fixed income and these were expenses they were unable to afford.

Meanwhile, they also had their normal costs to live: food, utilities, real estate taxes, clothing, insurance and gasoline, car maintenance, etc.. In addition, they started putting their household expenses on credit cards when they could not pay the bills.

Homer and Marge were also being called incessantly by those creditors demanding payment, which was extremely unsettling to them, to say the least. They had also begun to receive letters from attorneys who were threatening lawsuits against them, which made the situation even worse, since they were in danger of losing all they had to Sheriff’s sales. They decided to file for relief under Chapter 7 with Steidl and Steinberg, and they were able to protect their house and all of their assets.  They felt very comfortable talking with the attorneys at Steidl and Steinberg who had the experience, patience, and compassion to help them through the difficult days.

The Chapter 7 petition allowed Homer and Marge to eliminate all their medical bills, relieve themselves of the crippling and potentially life threatening tension they faced daily from their creditors, and keep their house and all of their assets.