Medical debt is one of the most common forms of financial stress for consumers in Tennessee and nationwide. Even with health insurance, families can suffer unmanageable debt after an unexpected illness or injury. Hospitals and medical service providers will often turn these debts over to medical collections companies.
Bankruptcy puts an immediate stop to any collection actions by creditors or third-party collection agencies. This means after any debtor files Chapter 7 or Chapter 13 bankruptcy, creditors must stop all harassing phone calls, letters, e-mails and any legal action they may have initiated.
Many Tennessee residents have been through this annoying experience: your cell phone rings and you don't recognize the phone number. "Shoot," you think. "It's those debt collectors harassing me again. How can I put a stop to this?"