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I was diagnosed with cancer, I have a tremendous amount of

Customer Question
medical bills, which I pay...
I was diagnosed with cancer, I have a tremendous amount of medical bills, which I pay monthly. I want to know what is the time frame from my diagnosis that I can file for divorce so my husband and adult son do not get stuck paying these medical bills after my death
Submitted: 1 year ago.Category: Estate Law
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Customer reply replied 1 year ago
I live in the state of NC
Answered in 12 minutes by:
3/31/2016
Estate Lawyer: LegalGems, Attorney replied 1 year ago
LegalGems
LegalGems, Attorney
Category: Estate Law
Satisfied Customers: 10,845
Experience: Private Practice; Elder Law Attorney; Estate Planning; Attorney Mentor
Verified

My sympathies for your situation;

The good news is that an adult child is not responsible for a parent's medical bills, unless they co-sign on them. There is a statute that allows for liability but it is rarely enforced:

14-326.1 states:

“ If any person being of full age, and having sufficient income after reasonably providing for his or her own immediate family shall, without reasonable cause, neglect to maintain and support his or her parent or parents, if such parent or parents be sick or not able to work and have not sufficient means or ability to maintain or support themselves, such person shall be deemed guilty of a Class 2 misdemeanor; upon conviction of a second or subsequent offense such person shall be guilty of a Class 1 misdemeanor. If there be more than one person bound under the provisions of the next preceding paragraph to support the same parent or parents, they shall share equitably in the discharge of such duty.” Financial strain is a defense, as is "reasonable cause" to refuse, which has not been defined. Only PA actively enforces their statutes; most are simply left over from the common law doctrines.

If the debt collector asserts otherwise, that is a violation of the federal Fair Debt Collection Practices Act, which allows for actual damages, or $1,000 fine per violation.

As for the spouse, generally if there are existing medical bills, they will be divided during the divorce. So it would depend what the judgment stated- if they were all assigned to the patient, for example, then the patient would primarily be responsible. If the patient did not pay, then the creditors may go after the former spouse for that portion that were incurred during marrriage (the divorce documents are binding between the spouses, but not for third parties).

Debts incurred after the divorce are the responsibility of the party incurring them.

Generally the creditor will submit a bill to the estate of the decedent and the executor will pay the legitimate bills.

Of course, estate planning is always a good idea, and many people like trusts- there are spendthrift trusts that can help protect assets.

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Customer reply replied 1 year ago
How will estate planning protect my spouse?? Also do I have to be divorced a specific time frame i.e. 5 years in order for my spouse not be responsible for my medical bills?????
Estate Lawyer: LegalGems, Attorney replied 1 year ago

No, there is no time limit after the divorce that must pass to isolate the former spouse from creditors. The former spouse is not liable for post divorce debts.

A trust can help protect assets from creditors - there are specific asset protection trusts that are available such as the irrevocable trust; it can name any party an heir; it protects the assets from future (not current) creditors.

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Estate Lawyer: LegalGems, Attorney replied 1 year ago

Estate planning attorneys may be located here:

http://apps.americanbar.org/legalservices/lris/directory/

kindly rate positively if no further questions.

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