Health care is one of the leading reasons why Americans find themselves struggling financially. Even with insurance, medical bills from an unexpected emergency room visit or planned surgery can wipe out savings in an instant. Medical debt is a common problem for Louisiana consumers, and while it is also stressful and inconvenient, it could be a threat to personal health, too.

Medical care is especially costly for those who do not have insurance. One unexpected medical need can cause one to have to rearrange financial priorities in order to pay the bill. Individuals already dealing with medical bills may be reluctant to seek care for new problems in order to avoid additional costs, even if it appears to be a serious health issue.

Individuals across the country find themselves having to take measures such as taking money from college funds and retirement savings to pay their medical bills. Others are facing wage garnishment because their health care costs are so high they cannot keep up. Instead of seeking the continued care they need and support that will help them feel better, some continue to suffer simply because they want to avoid additional medical bills. As a result, medical conditions may worsen and have long-term effects.

Overwhelming medical debt is a common problem for many, but there is a way out. In some situations, it may make sense to file for Chapter 7 bankruptcy as a way to deal with this type of unsecured debt once and for all. Before neglecting medical care or making other major financial decisions regarding debt, it may be helpful to speak with a Louisiana legal professional about this option.