It may be coincidental, but I had two clients last week that are having to file bankruptcy just for medical debt. One fellow had $90,000 in medical debt, because he was between jobs and had an accident that put him in the hospital. A big local hospital Memorial Hermann sued him and got a judgment against him for it, and he had no way to pay it back. Another very young lady, here in this country studying at college, had to have her appendix removed, and two days in the hospital without insurance resulted in a $60,000 hospital bill, plus bills from all the doctors and laboratories that are still coming in. She may also need to file a bankruptcy, or face a lawsuit or years of debt collector calls.

I don't know what the best answer is for this country, whether it is President Obama's plan or something else. But something should be done so that people get the medical help they need, and the expense is covered so that they don't have to file bankruptcy. I also don't understand the incredible cost of medical procedures and hospital stays, but I'll save that for another blog.

J Thomas Black
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Board Certified, Consumer Bankruptcy Law- Texas Board of Legal Specialization
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