You may be wondering: “Can You Wipe Out Medical Debt in Chapter 7 Bankruptcy in California?”
Yes, you can wipe out (discharge) medical debt in a Chapter 7 bankruptcy in California. Medical bills are considered an unsecured, non-priority debt, making them eligible for discharge along with other unsecured debts like credit card balances and personal loans.
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Frequently Asked Questions
Does Chapter 7 wipe out ER and hospital bills
Yes, ER, hospital, specialist, and lab bills are typically dischargeable unsecured debts.
Will medical collectors stop calling?
Yes—once you file, the automatic stay stops most collection contact.
Can I keep my car and household items?
In many cases, yes—California exemptions protect essential property when properly selected.
What if I recently got a raise?
Your means test may change; your lawyer can run updated calculations and consider Chapter 13 as a fallback.