Legal Question in Credit and Debt Law in Wisconsin

Unfortunately, creditors are not necessarily responsible for billing you insurance company, although medical providers often do this in order to speed up payment. You should therefore submit them yourself if you believe that they have not been submitted. You should do so as soon as possible, since many policies will not consider bills which are too old. It this fails, however, and you have major medical debt, you owe it to yourself to discuss this situation with an experienced bankruptcy attorney. Medical bills are usually 100% dischargeable in bankruptcy. Another possibility for the insurer not paying them may be that they were disallowed under the terms of your policy or were a copay obligation. My comments here are not legal advice, nor do they create an attorney client relationship between us. However, you always more than welcome to contact my office in Racine to discuss any additional questions which you may have or to set up a free consultation.