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Bankruptcy Attorneys in Indianapolis Since 1980

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Medical Bills

Bankruptcy is an Option for Retirees

October 3, 2019 By TomScottLaw

You Can Enjoy the Retirement You've Dreamed About

The U.S. and global economies constantly fluctuate, because what goes up must come down, and vice versa. The reasons for recessions vary, but the results are the same in that people suffer regardless of the causes.The Great Recession a decade ago, which caused over eight million people to lose their jobs, resulted in a huge […]

Filed Under: Medical Bills, Personal Bankruptcy in Indiana Tagged With: Retiree, Retirement

Common Reasons People File for Bankruptcy

October 5, 2016 By TomScottLaw

Uninsured medical bills resulting in lawsuits and threats of legal action or garnishment are common reasons for bankruptcy these days. Divorce is also a reason for many bankruptcies—a high percentage of the people who file for bankruptcy protection are single mothers. In a Chapter 13 bankruptcy, a conduit case refers to making mortgage payments through […]

Filed Under: Chapter 13, Medical Bills, Stop Harassment by Creditors, Wage Garnishment

Means Test Helps Determine Filing For Chapter 7 or Chapter 13 Bankruptcy

June 7, 2016 By TomScottLaw

Bankruptcy Means Test

The bankruptcy means test was established by congress as a standard method of calculating the disposable monthly income of a debtor, to help determine the amount paid to the trustee of a Chapter 13 bankruptcy plan. We recently discussed several aspects of bankruptcy with Christopher Holmes and Jess M. Smith, III, partners at Tom Scott […]

Filed Under: Chapter 13, Chapter 7, Debt to Income Ratio, Exemptions, Medical Bills Tagged With: 401k, 7th Circuit Court of Appeals, Disposable Monthly Income, DMI, IRA, IRS, means test, Social Security

Bankruptcy Strategy for Client with Chronic Medical Condition and No Health Insurance

October 22, 2015 By TomScottLaw

Bankruptcy Strategy for Chronic Medical Condition Without Health Insurance

A remedy is available for a man without medical insurance who has a serious medical condition that prevents him working. Many people with medical conditions seek debt relief through a Chapter 13 bankruptcy plan, with the option of converting that to a Chapter 7 bankruptcy later, if medical bills become overwhelming while the plan is […]

Filed Under: Chapter 13, Chapter 7, Medical Bills

Can I discharge medical bills?

July 5, 2013 By TomScottLaw

Yes, just like credit cards, the successful completion of a bankruptcy will discharge medical bills. A very high percentage of our clients feel overwhelmed by medical bill collectors and need relief offered by bankruptcy to stop the collection and get rid of that debt. Related articles: Creditors

Filed Under: Creditors, Medical Bills, Questions About Bankruptcy, Stop Harassment by Creditors

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Bankruptcy Blog – Info You Need to Know

  • COVID-19 Update: How Will the CARES Act Affect a Chapter 7 or Chapter 13 Bankruptcy?
  • Bankruptcy is an Option for Retirees

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SOUTH INDIANAPOLIS OFFICE
4036 Madison Ave.
Indianapolis, IN 46227
Phone: 317-786-6113

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EAST INDIANAPOLIS OFFICE
1701 N. Shadeland Ave., Suite A
Indianapolis, IN 46219
Phone: 317-870-3232

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  *Disclosure required by 11 U.S.C. § 528(a)(3): We, the law office of Tom Scott & Associates, P.C., are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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