Medical Debt Helping You Live a Debt Free Life

San Fernando Valley Medical Debt Lawyers

Helping Clients Find a Way Out

Health care is one of the major issues in the United States. Millions of U.S. residents are facing difficulties paying medical bills, especially after something unexpected occurs such as a car accident or heart attack. Uninsured or poorly insured Americans may lead these individuals into filing Chapter 7 bankruptcy. Know that you are not alone, and with the help of our San Fernando Valley medical debt lawyers at SM Law Group, APC, we may be able to help you manage medical debts.

Contact us online or by phone for a free consultation at (818) 805-1758.

Secured, Unsecured, Priority & Non-Priority General Unsecured Debts

There are four categories of debts. Secured debts are debts that have a lien on property and can be foreclosed or repossessed. The debt is secured by the property you own, which becomes collateral. Examples include car loans and mortgages. Medical debts are not secured debts.


Unsecured debts are debts that do not have property securing them. These debts are separated into two other types of debts: priority and non-priority general unsecured. Priority debts are debts that cannot be dissolved by bankruptcy. This type is paid off first before any other debt under Chapter 7 bankruptcy. Child support and specific kinds of taxes live up to the term of “priority debt.” Medical debts are, luckily, not part of this category.


The final category is non-priority general unsecured debts. These types of debts are the last to be paid off by the Chapter 7 bankruptcy. Besides some types of student loans, the majority of non-priority general unsecured debts are let go without paying in bankruptcy. Medical debts are considered to be non-priority general unsecured debts, as well as credit card debts.

How Are My Medical Bills Treated During Bankruptcy?

Medical bills are in the non-priority general unsecured debts category. Medical debts will not earn top priority if creditors are able to receive payments from a trustee. Part of your medical debts may be covered by the filed bankruptcy; however, the rest will be gone after the discharge. The best way to help you in this seemingly tough situation is may be to file for Chapter 7 bankruptcy.

What is a Chapter 7 Bankruptcy?

Known as a liquidation bankruptcy, Chapter 7 bankruptcy is an option for individuals who are unable to pay most of or all of their debts. The debtor’s assets are sold and the proceeds go to creditors, which can wipe out all your medical bills and other general unsecured debts.

Our team has payment plans available when you call our San Fernando Valley medical debt attorneys 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) $100K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $100K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $175K settlement
  • Individual v. Credit Card Company (harassing phone calls) $150K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $300K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $280K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $250K Settlement
  • Individual Chapter 13 Over $75k in Mortgage Arrears Reorganized
  • Small Business Chapter 7 Over $2 Million Debt Discharged
  • Individual Chapter 7 Over $1 Million Debt Discharged
  • Individual Chapter 13 $100,000 of Unsecured Debt Discharged
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Client Reviews

Hear From The People We've Helped
  • 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 can finally say that someone helped me get justice.

    “John as helped me with multiple matters. I can confidently say that he was the easiest and best lawyer I could of asked for. He is a professional when it comes to maximizing settlements and getting ...”

    - Eddie S.
  • 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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