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Hello and thank you for your question. For over 34 years I have answered questions just like yours. And I look forward to assisting you.
The simplest and cheapest solution, though always not the most appealing, is to file a chapter 7 bankruptcy. That way, these bills and any others are discharged. Likewise, your mobile home is protected and you will not lose it. It also does not affect your income. And you can file on your own and save the costs of attorney fees as there are BK services available at nominal costs. I wish you well.
Dear Mr. Dylatess, Thank You for your prompt answer. I was advised by an attorney on Avvo.com that I first go through the Probate process and that Bankruptcy should be my last option. Be that as it may, I am looking for a simple and hassle-free legal solution to my late wife's huge medical debts. Another lawyer suggested that I contact the Hospital and tell them about my financial inability to pay the bills. Is that a wise thing to do?? I mailed my wife's Death Certificate to the hospital and other medical agencies only recently. I have not recd. any legal notices asking me to pay these bills, so far. What are the options available before me? I am looking for something easy and uncomplicated. Sincerely, XXXXX XXXXX
PS: Can the Hospital really take away my mobile home if they want to?
Thank You, XXXXX XXXXX
Though what you were told to are correct, they are NOT the easiest, fastest, and least upsetting options. Likewise, the hospital can say no, probate costs lots of money, and your agaravation and frustration is at stake. That is why filing a BK is the simplest solution.
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Thank You, XXXXX XXXXX Your answer gives me some insight into this Probate thing. Alright, how do I go about filing for bankruptcy on my own?
Is it a very complicated and lengthy process? I live in San Diego County, CA. Will my bankruptcy filing reduce my Available Credit on my new (since May this year) Visa credit card? Can Visa hike up my APR? Any helpful tips in this regard would be highly appreciated. If there is no other simple way I might as well look into BK filing. So where do you suggest I begin?Don't worry, I will give you a high rating. Thanks once again.
Sincerely, XXXXX XXXXX