{"id":6424,"date":"2019-08-16T17:52:40","date_gmt":"2019-08-16T17:52:40","guid":{"rendered":"https:\/\/mn-bankruptcy.com\/blog\/?p=6424"},"modified":"2025-08-11T19:51:12","modified_gmt":"2025-08-11T19:51:12","slug":"medical-or-dental-bills-in-a-minnesota-bankruptcy","status":"publish","type":"post","link":"https:\/\/mn-bankruptcy.com\/blog\/medical-or-dental-bills-in-a-minnesota-bankruptcy\/","title":{"rendered":"Medical or Dental Bills in a Minnesota Bankruptcy"},"content":{"rendered":"\n<p>By David J. Kelly, Minnesota Bankruptcy Lawyer<\/p>\n\n\n\n<p>Often my clients have a therapist, doctor, chiropractor or dentist whose bill they don&#8217;t want to list in their bankruptcy.  This could be a person that they really like and with whom they have a relationship that goes back several years.  I hate to have to explain that one cannot pick and choose which debts to list.  You are required to list them all.  For some this can be a source of embarrassment an sadness.  The primary concern is that maybe they won&#8217;t be able to return to that particular provider for further care or treatment.  I am glad to be able to report to you that at least here in my area, this has not seemed to be a problem.<\/p>\n\n\n\n<figure><iframe loading=\"lazy\" width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/awYIvJxZW4s\" frameborder=\"0\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen=\"\"><\/iframe><\/figure>\n\n\n\n<p>Thee is nothing in the law which requires health care providers to continue to provide services or treatment for a Debtor after a debt owing to them has been listed in a bankruptcy, but my experience has been that almost all of them will.  For one thing, any health insurance coverage the Debtor has remains in effect.  The bankruptcy only affects the part of the bill not covered by insurance.  With some rare exceptions &#8211; such as one dentist in Elk River and a Veterinarian in Wayzata &#8211; the policy of most health care providers around here is that they will roll your bill back to zero as of the day the bankruptcy was filed, and the start over from there.  <\/p>\n\n\n\n<p>The health care providers are usually very nice about it.  If you have been a regular patient, they know you will keep going back and be a continuing source of  business for them.  Often the bill you are listing is a small portion of what the original charges were, because a large portion was covered by your health insurance.  Typically from their point of view your bankruptcy hardly hurts them at all.  Often they will say something like &#8220;sorry to hear of your troubles &#8211; we hope that all works out for you.&#8221;  <\/p>\n","protected":false},"excerpt":{"rendered":"<p>By David J. Kelly, Minnesota Bankruptcy Lawyer Often my clients have a therapist, doctor, chiropractor or dentist whose bill they don&#8217;t want to list in their bankruptcy. This could be a person that they really like and with whom they have a relationship that goes back several years. I hate to have to explain that &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/mn-bankruptcy.com\/blog\/medical-or-dental-bills-in-a-minnesota-bankruptcy\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Medical or Dental Bills in a Minnesota Bankruptcy&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[4,69,12,233],"tags":[231,229,230,232],"class_list":["post-6424","post","type-post","status-publish","format-standard","hentry","category-bankruptcy","category-chapter-13","category-chapter-7","category-medical-bankruptcy","tag-dental-bills-and-bankruptcy","tag-listing-medical-bills-in-bankruptcy","tag-medical-bills-and-bankruptcy","tag-medical-treatment-after-bankruptcy"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Medical or Dental Bills in a Minnesota Bankruptcy - Better Call Dave - Bankrupt MN Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mn-bankruptcy.com\/blog\/medical-or-dental-bills-in-a-minnesota-bankruptcy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Medical or Dental Bills in a Minnesota Bankruptcy - Better Call Dave - Bankrupt MN Blog\" \/>\n<meta property=\"og:description\" content=\"By David J. Kelly, Minnesota Bankruptcy Lawyer Often my clients have a therapist, doctor, chiropractor or dentist whose bill they don&#8217;t want to list in their bankruptcy. This could be a person that they really like and with whom they have a relationship that goes back several years. I hate to have to explain that &hellip; Continue reading &quot;Medical or Dental Bills in a Minnesota Bankruptcy&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mn-bankruptcy.com\/blog\/medical-or-dental-bills-in-a-minnesota-bankruptcy\/\" \/>\n<meta property=\"og:site_name\" content=\"Better Call Dave - Bankrupt MN Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/davidkelllylawoffice\" \/>\n<meta property=\"article:published_time\" content=\"2019-08-16T17:52:40+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-11T19:51:12+00:00\" \/>\n<meta name=\"author\" content=\"DaveKelly\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"DaveKelly\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/medical-or-dental-bills-in-a-minnesota-bankruptcy\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/medical-or-dental-bills-in-a-minnesota-bankruptcy\/\"},\"author\":{\"name\":\"DaveKelly\",\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/#\/schema\/person\/a385963a920f92e1cf406fa921c98453\"},\"headline\":\"Medical or Dental Bills in a Minnesota Bankruptcy\",\"datePublished\":\"2019-08-16T17:52:40+00:00\",\"dateModified\":\"2025-08-11T19:51:12+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/medical-or-dental-bills-in-a-minnesota-bankruptcy\/\"},\"wordCount\":350,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/#organization\"},\"keywords\":[\"dental bills and bankruptcy\",\"listing medical bills in bankruptcy\",\"medical bills and bankruptcy\",\"medical treatment after bankruptcy\"],\"articleSection\":[\"bankruptcy\",\"chapter 13\",\"chapter 7\",\"medical bankruptcy\"],\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/mn-bankruptcy.com\/blog\/medical-or-dental-bills-in-a-minnesota-bankruptcy\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/medical-or-dental-bills-in-a-minnesota-bankruptcy\/\",\"url\":\"https:\/\/mn-bankruptcy.com\/blog\/medical-or-dental-bills-in-a-minnesota-bankruptcy\/\",\"name\":\"Medical or Dental Bills in a Minnesota Bankruptcy - 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Sometimes that seems like a long time, and other days I feel as if I just started. These days my practice is devoted entirely to counseling folks concerning their financial problems and representing them in Chapter 7 and Chapter 13 bankruptcy. One thing I don't do is credit repair. When asked about matters concerning credit scores, I like to say \\\"I'm a very good source of unreliable information about that.\\\" What I mean is that I hear a lot about it from my clients who often report back to me how they are doing after their bankruptcy is completed, sometimes even years later; but having heard some stories from a few people doesn't qualify me to give any advice. I spend a lot of time with my clients. I want to be sure we get it right. There are civil and criminal penalties for concealing or providing incorrect information in a bankruptcy care, and my goal is to keep myself and my clients as far away from problems like that as possible. You can find me in MInnetonka near I-394 and Hopkins crossroad. It's ten or fifteen minutes from downtown Minneapolis. You can see parts of Plymouth, Minnesota, Golden Valley, Minnesota and St. Louis Park, Minnesota from the high ground in front of my building. If you take a look at the map, you can see that most of St. Louis Park is closer to my office than many parts of Minnetonka.\",\"sameAs\":[\"http:\/\/www.mn-bankruptcy.com\"],\"url\":\"https:\/\/mn-bankruptcy.com\/blog\/author\/davekelly\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Medical or Dental Bills in a Minnesota Bankruptcy - Better Call Dave - Bankrupt MN Blog","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/mn-bankruptcy.com\/blog\/medical-or-dental-bills-in-a-minnesota-bankruptcy\/","og_locale":"en_US","og_type":"article","og_title":"Medical or Dental Bills in a Minnesota Bankruptcy - Better Call Dave - Bankrupt MN Blog","og_description":"By David J. 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Sometimes that seems like a long time, and other days I feel as if I just started. These days my practice is devoted entirely to counseling folks concerning their financial problems and representing them in Chapter 7 and Chapter 13 bankruptcy. One thing I don't do is credit repair. When asked about matters concerning credit scores, I like to say \"I'm a very good source of unreliable information about that.\" What I mean is that I hear a lot about it from my clients who often report back to me how they are doing after their bankruptcy is completed, sometimes even years later; but having heard some stories from a few people doesn't qualify me to give any advice. I spend a lot of time with my clients. I want to be sure we get it right. There are civil and criminal penalties for concealing or providing incorrect information in a bankruptcy care, and my goal is to keep myself and my clients as far away from problems like that as possible. You can find me in MInnetonka near I-394 and Hopkins crossroad. It's ten or fifteen minutes from downtown Minneapolis. You can see parts of Plymouth, Minnesota, Golden Valley, Minnesota and St. Louis Park, Minnesota from the high ground in front of my building. 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