When a person needs a doctor for a pressing medical need or has to visit an emergency room for a serious concern, that individual may not be thinking about the expense. Even with insurance, however, people are often shocked to learn how much they owe to hospitals, doctors and other types of care providers. Medical debt is a serious concern for many in Louisiana, and there are also concerns regarding the ways that creditors try to collect on these balances.

When a patient falls behind on these bills, the hospital may decide to send the account to collections. A debt collector’s job is to secure payment on behalf of the client, and often this includes incessant phone calls and other forms of contact. A creditor may take more extreme courses of action as well when trying to collect on medical debt.

Some people are concerned that some of these methods, such as wage garnishment and suing the patient for delinquent accounts, show a lack of compassion for those who underwent medical emergencies. People with a significant amount of medical debt are likely struggling with many financial obligations at one time, and suing patients or sending them to collections can send them into poverty-level financial scenarios.

There is no one-size-fits-all solution for dealing with medical debt. However, bankruptcy does offer some Louisiana consumers the ability to address these types of balances while also stopping contact from creditors and collection efforts. If a person is struggling with debt, a professional assessment of his or her financial circumstances can reveal if bankruptcy is a beneficial option.