How Medical Debt Impacts Your Marriage and Bankruptcy Options
How Medical Debt Impacts Your Marriage
Medical debt is one of the most common financial struggles for married couples. Whether it’s from an unexpected hospital stay, surgery, or ongoing treatments, these bills can add up quickly. In some cases, they can create stress and tension in your relationship.
In Kansas and Missouri, whether you are responsible for your spouse’s medical debt depends on the situation. If the debt was incurred before the marriage, you are typically not responsible. However, if the bills were created during the marriage, you might be legally obligated to pay. This is especially true if you signed forms agreeing to cover the costs.
Are You Responsible for Your Spouse’s Medical Debt?
Here’s what you need to know:
- If you signed paperwork at a hospital or clinic, you might be considered responsible for the debt.
- Joint accounts or shared credit cards could also be used by creditors to collect payment.
- Even if the debt is not technically yours, it may still impact your household budget and finances.
It’s important to understand your rights and options when dealing with medical debt as a couple.
How Bankruptcy Can Help with Medical Debt
If medical debt has become unmanageable, bankruptcy can offer relief. Here’s how:
- Chapter 7 Bankruptcy:
This option wipes out medical debt completely. It’s ideal if you have a low income and limited assets. Once you file, creditors must stop all collection efforts, including calls and lawsuits. - Chapter 13 Bankruptcy:
If you have a steady income, Chapter 13 allows you to set up a repayment plan for your debt. After 3–5 years of payments, any remaining medical debt will be discharged.
Both options provide a fresh start and relief from the stress of medical debt. Bankruptcy also protects shared accounts and prevents creditors from going after your spouse.
Protect Your Marriage and Your Finances
Medical debt doesn’t have to control your life or your marriage. If you’re feeling overwhelmed, bankruptcy may be the solution you need. Walden Legal Solutions offers personalized, virtual services to help you navigate this process with ease.
Medical debt can feel overwhelming, but you don’t have to face it alone. Bankruptcy can provide relief and help you regain control of your finances.
Connect with us today for a stress-free legal experience!
