Nicolet Law Office, S.C.

Don't let medical debt ruin your financial stability

Suffering a catastrophic injury or chronic health condition is a difficult situation to handle. You might feel hopeless. The ordeal can also be mentally taxing, which can make things seem even worse.

As you try to focus on recovery, you might find your options limited by your financial situation. Fortunately, there are options to regain control of your finances.

Finding ways to cope

In the first days after a car accident or unexpected illness lands you in the hospital, your primary focus is healing. You need to be able to rest so that your body can try to undo as much damage as possible. Having to worry about money causes unneeded stress.

How much does the medical care cost? How will you replace lost income from the time it takes to recover? You probably won't know the answers for months. What can start to happen is that invoices pile up and you need to pay expenses with credit to cover the lost wages. This can results in a mountain of debt. 

Medical bankruptcy

While it might not feel like the ideal solution, you can often obtain relief by filing for bankruptcy. This is a way to stop the creditor calls.

When you decide to file for bankruptcy due to medical bills, all of your debts will go into the bankruptcy because you can't pick and choose what to include. Depending on your unique circumstances you might be able to benefit from a Chapter 7 liquidation bankruptcy. If you have cash flow to pay a portion of the debt each month, a repayment plan through Chapter 13 bankruptcy might be the better route forward.

Maintaining medical care

Even if you file for bankruptcy, an emergency room will continue treat even you if you can not pay. This enables you to get care in life-threatening situations.

It is important to consider what could happen to your regular medical care. You might have to change doctors, since some practitioners will not continue to see a patient who has a balance due or who has filed for bankruptcy protections. Some physicians may be willing to work with you, so that you can continue to get needed care and treatment. The financial wiggle room that comes from the bankruptcy might enable you to do this.

If you are considering bankruptcy, make sure you know all the ways it might impact your life. You can get relief and a financial fresh start, but do it carefully with good legal advice.

Awards & Recognition

Our peers and independent third-party organizations have recognized the hard work and dedication we put into every case. This has led to numerous awards and accolades.

  1. Rated By Super Lawyers | Russel D. Nicolet
    Super Lawyers Rising Stars
    Avvo Rating 10.0 Superb | Top Attorney Personal Injury Avvo Rating 10.0 Superb | Top Attorney Bankruptcy
  2. The American Association of Legal Advocates Wisconsin Association for Justice BBB Accredited Business - A+
  3. Minnesota State Bar Association American Bar Association State Bar of Wisconsin
  4. BV Distinguished | Lexis Nexis | Martindale-Hubbell | For Ethical Standards and Legal Ability The National Trial Lawyers Million Dollar Advocates Forum

Personal Attention To You -
Personal Dedication To Your Case

Contact us today for a free consultation where you will speak directly with one of our attorneys. We are conveniently located for your accessibility, with offices in Hudson, Eau Claire, and five other cities throughout the region. If your condition prevents you from coming to one of our offices, we will happily meet with you at your home or another location that is comfortable for you.

Call Us: 800-456-6956

  • In Wisconsin, call: 715-802-0872
  • In Minnesota, call: 651-243-2872

Tell Us About Your Case We’ll review your case details and contact you with an action plan.

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Wisconsin Offices

Hudson Office
511 2nd Street Suite 203
Hudson, WI 54016

Phone: 715-802-0872
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Rice Lake Office
337 N. Main Street
Rice Lake, WI 54868

Phone: 715-802-0872
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Eau Claire Office
402 Graham Ave, Suite 305
Eau Claire, WI 54701

Phone: 715-802-0872
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Superior Office
1200 Tower Ave.
Superior, WI 54880

Phone: 715-802-0872
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New Richmond Office
1500 Madison Ave., Suite 220
New Richmond, WI 54017

Phone: 715-802-0872
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Wausau Office
408 Third Street, Suite 303
Wausau, WI 54401

Phone: 715-802-0872
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Woodbury Office
724 Bielenberg Drive, Suite 126
Woodbury, MN 55125

Phone: 651-243-2872
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Duluth Office
109 North 2nd Avenue West
Duluth, MN 55802

Phone: 218-208-6502
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Hibbing Office
Howard Court Bldg.
302 Howard St. , Ste. 123
Hibbing, MN 55746

Phone: 218-208-6502
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