I'm on disability have past medical bills and a foreclosure

Yes, filing a chapter 7 bankruptcy will remove your obligation to pay your past-due medical bills and any other unsecured debt. Your foreclosure is another matter, it will remove your obligation to pay the mortgage, but the only problem is if you wait too long and the lender writes off your debt as uncollectible to the IRS, the IRS will place that money on a 1099 as you made that much cash for the tax year that it happened. Your best chance to avoid this is to file chapter 7 bankruptcy before the house is sold at foreclosure, or as soon as possible thereafter. Once that IRS debt is assessed to you, it is not as easy to get rid of as just a debt from a bank. I have responded to your inquiry according to the laws of Massachusetts, where my firm is located. Laws can vary significantly from state to state and cases tend to be rather fact-specific, so you are best served by consulting with a knowledgeable attorney in weighing your options. Email messages/Online Correspondence are akin to conversations and do not reflect the level of analysis applied to formal legal opinions. Email/Online responses do not form an attorney-client relationship.    Joseph F. Botelho, Esq. BOTELHO LAW GROUP Attorneys At Law http://fallriverbankruptcyattorney.com/ 901 Eastern Ave.  Unit 2 Fall River, MA 02723  Office:  888-269-0688 FAX:    877-475-8147 #bankruptcy  #lawyer  #FallRiver  #Chapter7  #chapter13  #debt  #debtsettlement  #foreclosure  #attorney   #cantpaybills  #lawsuit  #court  #bankruptcycourt  #eviction  #lostmyjob