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Are doctors pushing credit cards in Atlanta medical offices? Atlanta, GA

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Are doctors pushing credit cards in Atlanta medical offices?

3 Doctors Discussing Medical Treatment

Many Atlanta residents struggle with large out-of-pocket medical and dental expenses for care that is not covered by insurance. In some cases, it is simply impossible for patients to pay their medical bills, and as a result some doctors and dentists have begun offering financing in their offices.

Medical credit cards and lines of credit were first introduced to the market for cosmetic surgery and elective procedures, but in recent years doctors and dentists have taken to signing up patients for credit in order to ensure that patients will not forgo care and that providers will be paid. The growth of this form of credit has proved problematic for consumers.

The availability of high-interest medical credit cards – which are often presented to consumers in doctors’ offices at a time of vulnerability – has left many retirement-age consumers with overwhelming amounts of debt.

Medical lines of credit often start with an interest-free period, making them attractive to people who are living on a fixed-income and cannot handle a sudden medical cost. However, once the interest-free period ends, interest rates kick in at as high as 30 percent.

Such terms, of course, can lead to financial ruin. Regulators in some states are now reviewing whether consumer protections need to be implemented in this industry.

For now, those who struggle with medical debt or traditional credit card debt may benefit from talking with a debt relief attorney. Credit card debt is unsecured debt, and this means it is sometimes possible to permanently discharge it. In other cases, it may be possible to reorganize credit card debt into an affordable payment plan that will eliminate high interest rates.

Source: Wall Street Journal Market Watch, “Medical debt snares more retirees,” Matthew Heimer, Oct. 14, 2013

Posted on behalf of Gingold & Gingold

1718 Peachtree St NW, #385
Atlanta, GA 30309

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Jack L.

They did an excellent job with my case. Jamie took the time to really listen and understand things. She delved into the details and was extremely knowledgeable and non judgmental. Very professional and they know what they are doing. Would definitely recommend!

All C.

Mr. Gingold was recommended by an attorney I had worked with previously. I met with Ira Gingold to discuss credit issues. He went over each specific issue thoroughly. He advised me of the potential outcomes. He did all this in one meeting for a very reasonable price. When we finished I was confident in moving forward with a resolution. He definitely wants to help people take the appropriate course of action for their circumstance.

Karen B.

Dear Mr Gingold, There are so many reasons to be thankful for all you have done and will do. Anyone who has ever had unfavorable experiences with an attorney or the legal system will feel the trepidation that I experienced once I realized that my situation seemed hopeless. It was by chance and happily good luck that I decided to put my future and sanity into your hands. I was mortified at having to deal with my debts by claiming bankruptcy. I remember in our first meeting how you assured me that I was not alone and should not feel ashamed. And, anyone in this position obviously does not have money to spare and you were clear about all the costs and allowing me to pay according to my own ability to do so. You advised me in all aspects of the law, but also, you were at each meeting incredibly supportive and complementary of my personal and professional plans. Anyone else in this situation should feel blessed to have access to your expertise and support.

Lyla B.

I thought the process of filing bankruptcy was going to be a difficult one. However, Gingold & Gingold treated me with respect and dignity from the moment I walked through their door. I had the pleasure of working with Jamie. She is very responsive, professional, and knowledgeable. She took the time and listened to my every concern and handled each and every one of them to my satisfaction. My experience with filing bankruptcy under Gingold & Gingold's representation exceeded my expectations in a major way. They gave me such a peace of mind. I am very pleased with my decision of going with Gingold & Gingold to represent me when I filed Chapter 13 bankruptcy.

Julie T.

Wow! I am finally out of debt and can say that I am debt free after completing my chapter 7 bankruptcy case with Gingold and Gingold. Mr dangled was very knowledgeable and direct with regard to my debt situation. there were no surprises and the case went as I was advised. The staff was also very helpful whenever I had a question. I will definitely recommend them in the future to my friends.

Sherard W.

I cannot say enough about this law firm. From the initial consultation to our discharge, the entire office kept me updated with every step of the entire process. I came to the Gingold after a bad experience with another law firm. Ira and Jamie immediately began treating me like family through this experience. In the end, they assisted with eliminating many debts including my 2nd mortgage. I cannot say enough about the experience and knowledge that Ira brought to the table from the office visits to the court time. Thank you very much for helping me through this tough time. Thank you.

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