🏥 Medical Debt Solutions – Clark County, Las Vegas, Henderson, or anywhere in southern Nevada.

Are you struggling with overwhelming debt in Clark County, Las Vegas, Henderson, or anywhere in southern Nevada? At A Fresh Start Law, led by experienced attorney Dorothy Bunce, we focus exclusively on helping people solve debt problems — from medical bills and credit cards to foreclosure, tax debt, judgments, and business obligations. With more than 35 years of experience and over 30,000 debt-related questions answered online, Dorothy has earned a reputation as one of Nevada’s most trusted Bankruptcy and debt relief lawyers.

✨ Whether your best option is Chapter 7 bankruptcy, Chapter 13 bankruptcy, debt settlement, or another strategy, our goal is always the same: to give you relief, protect what matters most, and help you move forward with confidence.

📞 Call us today at (702) 551-3256 for your free consultation or request a same-day callback.

✨ You Deserve a Fresh Start!

At A Fresh Start Law, we’ve helped hundreds of Nevadans protect what matters most while solving overwhelming debt problems — including crushing medical bills.

😟 The Weight of Medical Debt.

Medical debt often feels unfair because it usually comes out of nowhere:

• 🚑 An emergency room visit.
• 💉 A surgery or hospital stay.
• 🧾 Surprise bills your insurance didn’t cover.

And while you’re trying to recover your health, the stress of debt can cause even more health problems — creating a vicious cycle.

But here’s the good news: medical debt can be negotiated, reduced, or even eliminated.

✅ Solutions for Medical Debt.

At A Fresh Start Law, we can offer multiple ways to help you eliminate medical debt. We will review every option with you. Depending on your situation, we can often help you:

💳 Set up affordable payments – realistic plans that fit your budget.

💰Negotiate lump-sum settlements – pay a fraction of what you owe.

⚖️Eliminate medical debt – through Chapter 7 or Chapter 13 bankruptcy.

🩺 Is Medical Debt Different from Other Debts?

Yes — in many ways. Unlike credit cards or personal loans, medical bills are usually unexpected. You can’t plan ahead, take a second job, or “wait for a raise” before going to the hospital.

Here’s part of what makes medical debt unique:

• 🏥 Hospitals & providers rely mostly on insurance and government programs. They’re often quick to turn unpaid balances over to collections because collecting debt and handling accounting isn’t what they typically do.
• 📞 Collections can be aggressive. Even if you’re making payments, you may still get sent to a collection agency.
• ❤️ Doctors may show compassion. When negotiations are handled respectfully, many individual medical specialists are willing to work with patients and continue to treat these patients who can’t pay.

👉 If more than half your debt is medical, bankruptcy law even makes specific requirements (like the “Means Test”) easier to meet.

🔍 What Are My Options to Resolve Large Medical Debt?

There is no official designation of a “medical debt lawyer,” but there are effective strategies to resolve medical debt. At A Fresh Start Law, we represent you — not the hospital, not the doctor, and certainly not the collection agency. Our goal is to find the best solution for you, which may include:

📋 Billing Review & Error Check.

Medical bills often contain mistakes. We carefully review your statements for:

• Overcharges.
• Procedures you didn’t receive.
• Gaps in insurance coverage and coding errors.

🕒 The Truth About Payment Plans

Hospitals may say that they will “allow” monthly payments, but may still:

• Send your account to collections.
• Demand full repayment (no discounts).
• Give you very little time to act — sometimes just weeks.

💰 Debt Settlement

We’ve negotiated settlements where clients paid a small fraction of what they owed. (For example, reducing $17,000 to $3,000.) While results vary, our experience makes a huge difference.

⚖️ Bankruptcy

When medical debt is overwhelming, Bankruptcy may be the most logical choice. Both Chapter 7 and Chapter 13 can erase or restructure medical debts. At A Fresh Start Law, we offer credit rebuilding education to help you bounce back faster than you think.

🌟 Why Choose A Fresh Start Law?

👩‍⚖️ Attorney Dorothy Bunce has over 35 years of experience helping Nevadans escape overwhelming debt.

💬 She has answered more than 30,000 debt-related questions online, proving her dedication to clear, practical advice.

🤝 Our approach is compassionate, practical, and focused on your best outcome.

✨ Don’t let medical debt take over your life.

With the right strategy, you can reduce stress, protect your health, and move toward a stronger financial future.

📞 Call A Fresh Start Law today at (702) 551-3256 for your free consultation — or request a same-day callback.

🤔 Medical Debt – Frequently Asked Questions

💳 Will medical debt ruin my credit?

Yes, unpaid medical bills can hurt your credit — especially once they’re sent to collections. But the good news is that medical debt weighs less heavily on your credit than other types of debt, and many scoring models treat it differently. With the right help, you can rebuild credit much faster than you might think.

🏦 Can hospitals or doctors garnish my wages?

Not usually. However, if your medical debt is sold or assigned to a collection agency and they sue you, a court judgment can result in wage garnishment or a frozen bank account. Bankruptcy or debt settlement can prevent or stop this from happening.

👩‍⚕️ Will I lose my doctor if I settle my bills?

Not usually. Many medical professionals understand the financial strain patients face and may be willing to work with you if negotiations are handled respectfully. At A Fresh Start Law, we approach providers professionally and compassionately to maintain a positive relationship with them.

📉 Can medical debt be reduced or forgiven?

Yes! We often negotiate significant reductions in medical debt. Hospitals and providers frequently settle for far less than the full balance — sometimes pennies on the dollar. In other cases, Bankruptcy can eliminate the debt.

⏳ What if I’m already on a hospital payment plan?

Even if you’re making monthly payments, your account may still get turned over to collections. Worse, those plans usually require you to pay the entire amount — no discounts. That’s why it’s important to review all your options, including settlement or Bankruptcy.

⚖️ Can Bankruptcy wipe out medical bills?

Yes. Both Chapter 7 and Chapter 13 Bankruptcy can eliminate or restructure medical debt. If most of your debt is medical, it makes qualifying to file a Chapter 7 easier. Bankruptcy is not the only option available, but it can be the most effective solution for overwhelming bills.

🌟 What should I do first?

Start by getting a clear picture of your bills. Many contain errors or charges your insurance should have covered. From there, our team can help you decide whether negotiation, settlement, or Bankruptcy makes the most sense for you.

✨ Still have questions? Attorney Dorothy Bunce has decades of experience helping Nevadans find relief from medical debt. She’ll explain your options, protect your rights, and help you move forward with peace of mind.

📞 Take the First Step Toward a Fresh Start

At A Fresh Start Law, solving debt problems isn’t just part of what we do — it’s our only business. Attorney Dorothy Bunce has over 35 years of experience helping Nevadans like you escape overwhelming debt and rebuild their lives with dignity.

✨ Whether your challenge is credit cards, medical bills, business debts, judgments, foreclosure, or even tax problems, there is a solution. And you don’t have to figure it out alone.

✅ Why Choose A Fresh Start Law?

• 👩‍⚖️ Experienced Las Vegas bankruptcy & debt attorney since 1979
• 💬 Answered more than 30,000 debt questions online — proving Dorothy’s dedication to clear, helpful advice
• 🤝 Compassionate, judgment-free guidance tailored to your unique situation
• 🌟 Same-day callbacks and free initial consultations

📲 Ready for Relief?

📞 Call us today at (702) 551-3256

💬 Or request a same-day callback from our team

🗓️ Schedule a free, confidential consultation with Attorney Dorothy Bunce

✨ You Deserve a Fresh Start — Let’s make it happen together.