Medical Debt and Bankruptcy FAQ

In many cases, yes. Medical debt is generally considered unsecured debt, which means it may be eligible for discharge in a Chapter 7 bankruptcy. In a Chapter 13 case, medical debt is typically included in the repayment plan and may be partially repaid depending on the overall financial structure of the case. Because each financial situation is different, the exact treatment of medical debt depends on income, assets, and the chapter of bankruptcy involved.

Working With Janus Law FAQ

Clients choose Janus Law for its focused bankruptcy practice, clear guidance throughout the process, and experience handling both straightforward and more complex cases. The firm emphasizes preparation, accuracy, and helping clients move forward with a clear understanding of their situation.

Wage Garnishment FAQ

Wage garnishment occurs when a creditor obtains a court order allowing them to take a portion of your paycheck to satisfy a debt. This usually follows a lawsuit and judgment, but many people do not realize a case was filed until their wages are already being withheld. Common sources of garnishment include credit cards, personal loans, medical bills, and older judgments.

Bankruptcy FAQ

Many people delay calling a bankruptcy attorney because they think they must be completely out of options first. In reality, bankruptcy eligibility depends on income, debt type, household size, and overall financial picture. Some people qualify well before missing payments, while others need to explore alternatives first. Janus Law evaluates eligibility based on facts, not assumptions, and explains whether bankruptcy makes sense now, later, or not at all.

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