Can My Doctor Refuse To See/Treat Me If A Past Bill Was Discharged In Bankruptcy?

Can A Doctor Refuse To Provide Future Medical Services
To A Patient That Has Filed Bankruptcy And
Discharged A Debt Owed To The Doctor?

Many people file bankruptcy to help deal with medical debts.  With the entry of the bankruptcy debt “Discharge Order”, the debtor’s liability for the medical debt is no more.    With the entry of the bankruptcy Discharge Order, a doctor forever loses the right to pursue a debtor for payment for unpaid services.   (Note:  The doctor can still seek payment from any existing insurance policies in place.)

General Rule: The Doctor May Terminate The Relationship If Done Correctly

As a general rule, a doctor may terminate the doctor-patient relationship and refuse to provide future services for reasons including non-payment of a debt as long as termination of the relationship is accomplished correctly.  A doctor terminating the doctor-patient relationship without a plan of care for the future can have legal and ethical repercussions including charges of abandonment if not done correctly.

In Washington the general rule for terminating the doctor-patient relationship was set out by the Washington Supreme court in 1942:

It is the general rule that when a physician undertakes to treat a patient, it is his duty to continue to devote his best attention to the case until either medical attention is no longer needed, he is discharged by the patient, or he has given the patient reasonable notice of his intention to cease to treat the patient, so that another physician may be obtained.

Gray v. Davidson, 15 Wash.2d 257, 266-67 (1942).

As a result, under Washington law, a doctor must continue to provide services after bankruptcy, even if a past due bill is not paid, unless/until:

  • The doctor provides notice of the intent to withdraw/terminate services that gives the patient sufficient time to find another doctor to continue treatment/services.    (Thirty days written notice seems to be the normal approach.)
  • The doctor did not initially agree to provide continued or follow up treatment, i.e., the doctor only agreed to treat the patient once or at a certain time or place.
  • The patient’s condition does not require continued care
  • The patient terminates the relationship (oral or written notice will work)

As an aside, it is worth noting that the American Medical Association (AMA) is of the same opinion on this subject.  The AMA FAQ on this question states the following:

Can my physician refuse to see me because of an unpaid bill?

The general AMA policy on billing is Opinion 6.05, “Fees for Medical Services.” This Opinion does not specifically address whether a physician might refuse to see a patient due to an unpaid bill. However, Opinion 8.11, “Neglect of Patient” states, “Once having undertaken a case, the physician should not neglect the patient.” Refusing to see a patient might be considered neglect, unless the physician appropriately terminated the patient-physician relationship. Opinion 8.115, “Termination of the Patient-Physician Relationship” states that the physician should provide “notice to the patient, the relatives, or responsible friends sufficiently long in advance of withdrawal to permit another medical attendant to be secured.”

In addition, there may be specific regulations in your state that pertain to unpaid bills or the termination of the patient-physician relationship. You should contact your state licensing board or medical society to find out what the regulations are in your state. Contact information of the licensing boards in all 50 states.

So, yes, a doctor may terminate the doctor-patient relationship and refuse to provide future services where the patient has filed bankruptcy and not otherwise paid a debt.  The exception to this would be where the patient-debtor had a plan for ongoing care and the doctor has not provided advance notice to the patient-debtor of termination of the doctor-patient relationship.

Special Exception: Emergency Services Cannot Be Denied

A doctor cannot refuse services to a debtor-patient for a true medical emergency.  For example, if you are in an auto accident and you are taken to the emergency room, they must treat you.   This rule normally comes into plan only for doctors at hospitals with emergency rooms. See,Emergency Medical Treatment And Active Labor Act.

The Practical Result: Will The Doctor Refuse Future Services?

Just because a doctor can refuse future services, it does not mean he/she will refuse future services.   In researching this subject, I reviewed several medical publications.  Most of them share the opinion that even if the doctor sustained a significant financial loss due to the bankruptcy filing, the doctor might choose to continue seeing the patient-debtor if they have been with the practice for a long while and have otherwise paid for past services.  In short, it might be a smart business decision for the doctor to continue providing future services.   (See, article 1, article 2)

Can You Pay The Doctor After Your Bankruptcy Completes?

Many clients want to pay their doctor after bankruptcy discharge to ensure that the doctor continues to provide services.  While this may not be required by the doctor for future services, a debtor is free to voluntarily pay on a discharged medical debt.

Free Initial Consultation

If you have any questions about this or any other subject in bankruptcy, please feel free to contact us and set up a free initial consultation.  We’ll be happy to help!



  1. I am considering filing chapter 7, and changing my health insurance to Humana PPO. I have had numerous medical problems, including a Pituitary tumor. I am swimming in medical debt, but I have an established a relationship with my doctors. Terrible situation! But, I clearly cannot continue the path that I am on now. Please advise.



  2. Lucinda roberts says

    I’m on Medicare the bill is from 2015 i filed bankruptcy gave her all my paper work she still want see me what do I do I’m sick

  3. Heidi Schaefer says

    I file bankruptcy in August 2016 . I would like to return to BMC as a patient since my bankruptcy has cleared all debt. Will the doctor allow me to be a patient again?

    • You will have to ask to find out. Many medical groups know that bankruptcy occurs and they still see patients. So, just give them a call. Also, please feel free to respond and let us know what happened along with the size of the medical group. (Larger ones seem to not mind bankruptcy as much.) Thanks.

  4. The doctor I have been since 1997 is a Psychiatrist. For the last ten years she has seen me free at her own home. I filed for disability waited three years. My attorney repeatedly requested my records. She did write a letter suggesting I am disabled.
    My attorney and I wen before the Disability Judge,The judge said she must see my records. Long story short Because my Doctor didn’t give the records I lost out on two years of back pay. The desistion was positive I get my benefits in Nov. My question is can I sure my doctor my Lawyer also got screwed because of no back pay. It was in the desistion that the records were The reason I was labeled as Disabied April this year and I have to wait six months because that’s Social security policy. I want to know if what my Doctor did was legal. It would have been 40 to 50 Grand that’s a lot of money to lose. Because my doctor wouldn’t help. She put me on two presriptions that she calls in and refills.

    • That is an interesting question. I don’t know the answer. You need to find an attorney that is experienced in what we call “medical malpractice”. If you are in the local area (SW WA), I have a few people I can refer to you. Otherwise, you’ll want to find an attorney in your area that works in the “Med Mal” arena.

  5. If I filed Chapter 7 and reaffirmed a car loan and became over 30 days late before the discharge, will it show on my credit report after the discharge. I called the Bank and they said that they report to the credit bureau every month but they couldn’t tell me if it go back and show late payments during the automatic stay. I only owe 6 more payments on the vehicle and thought maybe to rescind the reaffirmation, but they told me they require a reaffirmation if I want to keep the vehicle.

    • Well, if you “reaffirm” then you are obligating yourself personally on the loan. I don’t see a reason why they cannot report all payment history, before during and after the bankruptcy, once the reaffirmation agreement is filed/approved by the Court. You can rescind a reaffirmation agreement. However, there are specific deadlines – which I imagine may have passed in your situation. BUT, please check with local counsel to see what might be possible in your situation.

  6. My husband and I recently (July 2017 ) had to file for Chapter 7 Bankruptcy after losing my job in 2013 and not being able to find full time work & at age 60 both found it necessary at age 62 to take Social Security. Since then my husband and I have bothe been in hospital for major surgeries and life threatening situations . We have pretty good Ins through Aetna but even so our medical bills and copays and our credit cards were over 35,000 so we are unable to pay our bills. To preserve our house we entered into loan modification & I myself being a admin asst for many years decided to filed bankruptcy pro se because we couldnt afford thousands of dollars on top of that.

    We learned from the Court we could reaffirm whomever we wanted to continue paying especially Doctors we wanted to keep, like my husbands Orthopoedic Doctor for his disc suregery should he have continuing problems. Before his surgery the office quoted us $600.00 that needed to be paid up front. We entered into automatice monthly payment plan and paid it and they did the surgery. In June just before we entered into our BK they sent us another bill for $300 which we entered because I was advised it was best just to list every debt. After our meeting of creditors and the Trustee cleared us for the BK we contacted my husbands Dr. Office to reaffirm. I just got a call from the girl in the office and she said the * Owner of the Pratice wont let us reaffirm and take us back as Patients because we filed for Bankruptcy.

    Can they continue to refuse us as patients even if I pay the bill?

    • As a general rule, yes, at some point your private physician can choose to not provide services. They just have to provide you sufficient notice so that you have time to look for a new doctor for any pressing issues. That is why the article notes that they are, generally, supposed to give you notice of their intent to terminate. Most doctor/dentist offices I know of in these parts will keep you on as patients if you pay the bill. (Many will keep you even if part of the debt was discharged in bankruptcy.) So, you need to ask the doctor’s office if they would take you as a patient if you paid the pre-petition debt. I hope this helps!

  7. milica Stijakovic says

    I got discharged from my family doctor of problems I didn’t mean to on a social media sites and is there a way i can contact my doctor

  8. I recently found out that I have a pinched nerve in my neck. There is only one place in my area that I can get an epidural. I went bankrupt in 2007, and though they were not the initial reason I went bankrupt. I did go bankrupt on all my medical bills. Anyway, I now need them to do the procedure, the appointment was made, and 3 days later they called me and said though I went bankrupt on that balance. That they can request the payment since I am requesting their services. Is that true?

    • Requesting payment on a discharged debt can be a violation of the bankruptcy discharge injunction. However, it does not strike me as a violation if they are not trying to collect on the discharged debt, but instead just say they don’t want to help you unless you pay the discharged debt. Different courts might rule differently.

  9. My mom has been denied by her doctor over a bill of 141.00 she is 74 years old and has heart and has type 2 Diabetes. My father is 77 and is suffering from a stroke and she takes care of him on her own and she herself is not healthy or on any of her med’s due to being refused. Are family has also were hit with the news that my brother has stage 4 cancer in his bones and this added more stress to my mom and dad. My mother went from 140 pound to looking like she is not more then 100 pounds she is having problems walking due to pain in left side of her back and leg. She has been having pain in her chest were her heart is. My mother and father had worked all their life’s. And this should be their time to live out their life’s with out all this worry. How can we help them ?

    • My apologies for the delay. To help you could pay the $141 for them or maybe help them find a new doctor. I am sorry they are having such a tough time. I have had friends and family ion similar circumstances. It’s not fun at all.

  10. Can a mental health clinic deny patients appointment who has an outstanding bill due to the fact invoice was never mailed to patient?

  11. Christopher Bennett says

    I was refuse an Zolar Allergy shot from a Nurse for not paying a past bill. Not one Doctor called me back when I reported her. It’s a life saving shot for me. I have the worst breathing problems and I am allergic to every tree, grass, mold, dust, and perfumes. My Doctor is Chiraag S. Patel , M.D. of Pulmonary, Critical Care, Allergy, Immunology, Infectious Disease and Sleep Medicine Associates. In Sacramento, CA. # (916) 325-1040. Now I received a 1st warning letter for me being upset about the issue. I feel discriminated against for not paying a past due bill from a Nurse who only gives shots. What can I do?

    • I don’t see that you filed for bankruptcy. It sounds like you’ll have to see what CA law says on that. I don’t practice in CA. So, it’s hard to say. Please check with local counsel to find a state-specific answer to your question. All the best!

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