Medical Debts Helping You Live a Debt Free Life

Riverside Medical Debt Attorneys

By Your Side in a Crisis

Because of today’s high cost of medical care and treatment, medical debt is the leading cause of bankruptcy in the United States. Almost one-third of all bankruptcies filed are because of some kind of medical bill. Even those who have health insurance end up burdened with debts that they don’t have the ability to pay. If you are in the Riverside area, have massive medical debt, and have worries about being able to pay it back, you should speak with the caring attorneys of SM Law Group, APC to help you decide what your next steps should be.

Contact us online or at to discuss your medical debts today. We provide nonjudgmental service and care about your well-being above all else.

Bankruptcy Can Resolve Medical Debts

Medical bills may be easy to have dismissed through a medical debt bankruptcy. Unlike through other forms of debt, creditors may be less likely to accuse one of fraud or of indulging in high-end goods if medical debt is involved. In addition, bankruptcy judges and trustees understand that medical debt is usually beyond the control of the debtors, and may be a little more lenient and understanding of the need to file for bankruptcy protection.

The following types of bankruptcy can help eliminate debt from medical bills:

  • With Chapter 7 bankruptcy, your debts can be discharged within a period of 3 to 4 months.
  • In the event that you’re not eligible for Chapter 7, you can most likely file for Chapter 13, which allows you to make monthly payments for three to five years to pay off as much of the debt back as you can reasonably afford. At the end of that time period, all of your remaining debt will be settled. Many of those that file Chapter 13 end up paying only pennies on the dollar.

At our law firm, our attorneys provide cost-effective, expert and personalized strategies for debt relief. We focus on providing effective relief for medical debt in Riverside and other areas of California.

Should I File Bankruptcy for Medical Bills?

Filing for bankruptcy can be a big decision, and should be weighed seriously with the help of an attorney. Whether or not bankruptcy is the right option for you will depend on a variety of factors.

  • Will another medical crisis occur? If your illness has not yet been resolved, you may incur additional debt after your initial bankruptcy. Since there is a waiting period before you can file for another bankruptcy, you may be on the hook for your debts.
  • Do you qualify for medical payment assistance? Hospitals may be willing to work with you to resolve your outstanding bills, such as assistance programs or even negotiating that bill to a lower amount.
  • Are you judgment proof? Some individuals do not own property or have income that creditors can pursue. If you do have assets that may be at risk, discuss your situation with an attorney.
  • Do you have other debts that can be eliminated? If you have additional debts such as credit card debts, utility bills, or personal loans that can benefit from bankruptcy as well, you may be a good candidate.

Our attorneys at SM Law Group, APC can review your situation and walk you through your options. We evaluate each case carefully to help ensure that we provide a solution that benefits you.

Medical Debt Myths

Just like Santa Claus and the Easter bunny, there is no such thing as a “medical bankruptcy.” For many people, there is only Chapter 7 and Chapter 13. If any company tells you that they want to sign you up for “medical bankruptcy” program, you should go another way.

In the event that you or someone you know is in need of settling medical debts, contact the attorneys of SM Law Group, APC today for a free consultation and learn about our customized payment plans.

Our Riverside medical debt lawyers have helped countless individuals recover from their financial woes and are available to help. Call us for a free consultation today at (818) 805-1758.

Get a Fresh Start & Wipe Away All Your Debt

See Our Winning Case Results
  • Individual v. Credit Card Company (harassing phone calls) $280K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $175K settlement
  • Individual v. Credit Card Company (harassing phone calls) $250K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $300K Settlement
  • Individual Chapter 13 $100,000 of Unsecured Debt Discharged
  • Individual Chapter 7 Over $1 Million Debt Discharged
  • Individual v. Credit Card Company (harassing phone calls) $150K Settlement
  • Small Business Chapter 7 Over $750,000 Debt Discharged
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Client Reviews

Hear From The People We've Helped
  • Hard working

    “Kian did my bankruptcy with flying colors. Now he's working on my PI case. He's friendly and a hardworking. I highly recommend him.”

    - Former Client
  • I would recommend them to anyone.

    “Very professional. Even when the defending insurance company tried to drag out the procedure and lowball the payment, the attorneys at SM would always push forward in order to get me the highest ...”

    - Joshua N.
  • Great working with you guys!!

    “I'll contact you guys again if I need help with anything else. Much appreciated all the help from everyone at your office. Thanks!”

    - Hermes P.
  • They were awesome and spent time with me over the phone and answered my questions.

    “I had some legal questions and I gave them a call. They were awesome and spent time with me over the phone and answered my questions. With all this Covid stuff I didn't need to even go into their ...”

    - Shawn M.
  • I was extremely happy and satisfied with my settlement and outcome of my case.

    “My personal injury attorney was Kian Mottahedeh. He was extremely professional, and he was always available whenever I had a question or concern. Both of his legal assistants, Esmeralda and Genesis, ...”

    - Dan N.
  • Thank you, Kian, for your professionalism and expertise!

    “During the most difficult time SM Law walked me through every step and got me an amazing settlement. Thank you, Kian for your professionalism and expertise! I highly recommend SM Law!”

    - Nathan N.
  • The absolute best when it comes to handling bankruptcy!

    “They do not pass any judgment upon you - they are simply there to help. I found them to be honest, reliable and timely. The support staff is extremely friendly and very informative. The lawyers have ...”

    - Anna G.
  • John and the representative who met me at the courthouse were very thorough and guided me every step of the process.

    “Thank you John Sarai and the rest of SM Law Group for helping me file my Bankruptcy Chapter 7 case. It was a smooth process. John and the representative who met me at the courthouse were very thorough ...”

    - Evitha B.
  • They made a very stressful situation much easier for me.

    “SM law group handled my bankruptcy case and I was very satisfied with their service. They made a very stressful situation much easier for me. They explained everything to me and it was fast and ...”

    - Lenny DcComics
  • I have never experienced more professional care. My phone calls and emails were answered within 5 minutes!

    “Absolutely outstanding experience! Kian Mottahedeh was my attorney. I have never experienced more professional care. My phone calls and emails were answered within 5 minutes every single time. Kian is ...”

    - Lenka Wallace
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In The News

Recent Feature in The Los Angeles Daily Journal

Learn more about the work that is captured in the news. Our team is recognized in our community and among our peers for our tireless devotion to clients facing bankruptcy and personal injury-related matters.

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