Did you know that according to the Journal of the American Medical Association (JAMA), medical malpractice ranks third as the leading cause of death in the U.S., with heart disease and cancer claiming the two top spots? In fact, a staggering $3 billion was paid out in medical malpractice settlements in 2012. According to the Centers for Disease Control (CDC). There are other studies that show this figure to be much higher, as much as 440,000.
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Declaring bankruptcy is not a decision you should make without careful consideration. There are many factors to consider, and it isn’t an easy decision. There are several types available for individuals including chapter 7 and chapter 13 which are the most popular bankruptcies filed by individuals. If you have exhausted all your other avenues however, and you opt for this type of financial relief, you need to be aware of the stipulations required to discharge your bankruptcy.
For some people, filing a personal bankruptcy can provide the opportunity for them to reset their finances and give them hope for the future. It can provide a new chapter free from the debts that many times accrue through no fault of the debtor. A bankrptcy doesn’t mean a person is irresponsible; many times, unintended debts can pile up leaving few options. Medical emergencies, natural disasters with not enough insurance, and unforeseen home or car repairs are just a few of the ways unintended debts can pile up.
Medical malpractice is an umbrella term that refers to any breach of duty by a health care professional that causes injury or death, whether through negligence or some other type of carelessness. And while medical malpractice issues – such as wrong diagnoses – are well-known, wrong-site surgery has become increasingly more common and can have devastating consequences for a patient.
When it comes to protecting equity in a home, Florida residents can get some valuable relief should they be forced into bankruptcy. Under Florida state law, a homestead exemption not only saves residents thousands in property taxes, but specifically protects the investment in a person’s property when someone files a bankruptcy in Florida. Experienced Florida bankruptcy attorneys understand that the homestead exemption is a significant help to many of their clients, and something that should be considered in the context of a bankruptcy decision.