If you have sầu been in an accident, you may have filed a clalặng against whoever caused your injuries. Despite any insurance, medical or otherwise, that you might have sầu, you might have sầu accumulated quite a bit of debt related khổng lồ your medical expenses while being unable to go baông chồng lớn work.
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However, the stars did not seem to lớn align in your favour, & it seems that you have sầu lost your case. Read on to lớn find out what you can vì if this happens lớn you.
Dealing With Healthcare Providers
You need to see lớn your injuries immediately after the accident & start treatment lớn recover your health. You might have spoken with your doctors & told them about your intention to tệp tin a clayên. However, when you asked them to lớn allow you lớn delay payment until after you have sầu received your settlement, you had lớn sign an agreement in which you acknowledged the debt and agreed to lớn pay it regardless of the outcome of your case.
What happens if you thảm bại your case?
After you have sầu been told that the verdict went against you, your attorney may request a new trial. Or perhaps you can reach a settlement that will pay for all or a portion of your medical bills, but this may be quite unlikely.Through a new trial, your attorney might have sầu an opportunity to point out errors in the evidence that was presented or in a ruling made by the judge, with the hope that this time the decision will be in your favour. Should the new trial be denied, your attorney can appeal this decision.
Strategies You Can Use to lớn Pay Your Bills
After losing your case, you may still tệp tin a clayên ổn with your car insurance if the accident took place while you were in the oto. This may help pay your bills lớn the limits established by the policy. It may also be possible khổng lồ tệp tin a claim with your health insurance.
In cases where there is no insurance, your other option may be khổng lồ use a credit thẻ or pay in cash. Talk khổng lồ your healthcare providers & ask them lớn allow you to create a payment plan if you cannot take care of your bills in one payment. Explain your situation and ask if there are any discounts available.
You may find that there are truly no viable options available lớn you to lớn pay your bills. If that is your case, you may have sầu no other option but lớn file for bankruptcy. Depending on the assets you have sầu, you may decide on a Chapter 7 filing. This allows you to lớn liquidate any assets you have và use the funds obtained to lớn pay your creditors and discharge any remaining balance.
If you do not qualify for a Chapter 7 filing, a Chapter 13 bankruptcy filing will allow for the reorganisation of your debt & the possibility of paying off your debt over a period of either 3 lớn 5 years. During this time, you can tư vấn yourself and get baông chồng on traông xã. If you still owe any money for medical bills after this period, the debts might be discharged if there is any remaining balance.
Get Pre-Settlement Funding
If you are reading this khổng lồ gather information prior to filing, you should also consider pre-settlement funding. This option provides you with funds to lớn cover your ongoing expenses, & you are not obligated to pay it back if you đại bại your case. This is because you are not getting a loan from a bank that requires collateral and must be repaid according to specified terms. Pre-settlement funding companies actually purchase a portion of your expected settlement or monies awarded by the court. As such, there is nothing to lớn pay baông xã should you not end up winning your case. Rethành viên that once you file your clayên ổn, it can take months or even years to resolve.