Medical Debt Blues

Attorney Image By: James Filippi
Medical Debt Blues photo

Does medical debt have you feeling blue? It may not seem fair that on top of needing to see a doctor or go to the hospital, you also must deal with some awfully expensive medical bills that most of us could not even dream of paying because they are so exorbitant.

Unfortunately, doctors, hospitals, and laboratories can sue and get a judgment against you. This allows them to garnish your wages, seize your bank accounts and even foreclose on your house. Medical bills can leave you without money and homeless if you allow that to happen.

I have done a lot of work with people who owe medical debt, and there are 4 things I have learned:

Medical debts are a BIG problem for many people.

You are not alone. A federal Consumer Financial Protection Bureau study found that 59% of debt collection calls were related to medical bills [1]. According to the Harvard School of Public Health, more than 40% of American families have gone through major financial stress due to medical expenses [2].

Being in debt can be bad for your health.

A Gallup survey of college graduates from 1990 to 2014 found that those in debt were sicker than those who were not, especially due to the stress related to debt [3].

Given the vulnerable situation, be careful from whom you seek help.

The Federal Trade Commission warns consumers to stay away from debt relief companies that charge fees before settling your debts, make guarantees about getting rid of unsecured debt, and make promises about being able to put an end to all debt related lawsuits and calls.

Be Smart and Strategic

Whether you amassed the debt quickly, after an unexpected medical crisis, or accumulated the debt in a slow spiral, the stress of a lawsuit does not help. Nor does ignoring the situation in hopes that it will go away. It will not, but a qualified, experienced, trustworthy attorney can advocate for your best interests and give you back a sense of control.

There may be a chance my legal team and I can help. Our approach is compassionate, yet strategic. We will work to stop the constant phone calls and debt harassment. You do not have to live under a cloud of debt with no hope of paying it off. This challenging situation can be solved intelligently, and in a way that respects your dignity.

Every debt situation is unique, and we recognize that. We are your resource to improve this situation for you. We will promptly answer any questions you have, and we will make sure you understand the entire process.

Do not deal with this alone. Trust that you will be happy that the Filippi Law Firm was by your side helping you through this situation.

We are here for you, every step of the way!




Satisfied Client Stories


I want to thank you Filippi and your law firm I am extremely grateful for all the hard work and all your support and most of all thank you for making me feel like I was important as a client. Highly recommend Filippi Law firm.

Respectfully, R.L


Anyone in need of a great law firm that does Living Trust/ Wills I highly recommend Filippi Law Firm in Rocklin.
My husband and I needed to have a new Trust done and we were very pleased with Jim Filippi.
and his staff. Extremely professional and takes the time to explain everything in detail.
I’m going to be recommending his law firm to all my friends and family.

Susan H.

I highly recommend Filippi law firm. Can’t say enough how much I appreciate all they did for me and my living trust. Jim is very helpful and relieved any doubts I had about trust. Very nice law firm and friendly. Thank you Jim for everything and Courtney as well.

Susan P.

Very Professional service provided. Handled my trust with professional care and left us feeling very confident. Would recommend Filippi Law Firm to all my friends

Bret R.

Jim is a personable individual and all the people in the firm are friendly and professional. Creating my trust was painless and has taken a load off my mind.

Jill V.

We had an outstanding experience with all the Filippi associates we worked with. They were exceptionally professional and friendly. I would highly recommend their services.

John W.

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