Define the question before choosing an answer
Use this guide to organize Medical Bills, Insurance Disputes, Lawsuits and Unsecured Debt Records. Start with the controlling record and date, then connect the issue to the bankruptcy chapter, property, debts, and local procedure that may change the answer.
Evidence file for Chapter 7 And Medical Debt
Medical Bills
Provider bills, explanations of benefits, adjustments, assistance decisions, collectors, lawsuits, and current balance.
Insurance Disputes
Provider bills, explanations of benefits, adjustments, assistance decisions, collectors, lawsuits, and current balance.
Lawsuits
Court, case number, parties, service date, order, amount, next deadline, and current enforcement status.
Unsecured Debt Records
Creditor, owner of the account, debt type, balance, contract, collateral, judgment status, dispute, and payment history.
Facts that shape the review
- Chapter 7 review should connect current means-test data, property and exemptions, recent transactions, prior cases, and debts that may not receive an ordinary discharge.
- Classify the obligation before discussing discharge. The creditor, legal basis, judgment or lien, dates, and available non-bankruptcy relief may change the review.
Issue log
| Issue | Evidence to preserve | Open question |
|---|---|---|
| Medical Bills | Provider bills, explanations of benefits, adjustments, assistance decisions, collectors, lawsuits, and current balance. | |
| Insurance Disputes | Provider bills, explanations of benefits, adjustments, assistance decisions, collectors, lawsuits, and current balance. | |
| Lawsuits | Court, case number, parties, service date, order, amount, next deadline, and current enforcement status. | |
| And Unsecured Debt Records | Creditor, owner of the account, debt type, balance, contract, collateral, judgment status, dispute, and payment history. |
Questions that can change the next step
| Question | Your facts |
|---|---|
| What exact outcome is needed? | |
| What date changes the next step? | |
| Which fact remains unverified? |
Timing caution
If a sale, hearing, deduction, seizure, shutoff, or response deadline is near, use qualified local help rather than waiting for general online information.
Verify with current sources
U.S. Courts Bankruptcy Basics · Official Bankruptcy Forms · Current Means Testing Data · Official source directory