Medical bills can be overwhelming—your options don’t have to be.
About Medical Debt
A medical emergency can drain your time, energy, and finances. A medical bill you believed was covered by insurance can unexpectedly come and completely upend your life. Too often this happens right when you are recovering from a debilitating condition. Our Medical Debt practice can help navigating medical bills, and helping a financial recovery which all too often follows a medical recovery.
How We Can Help you
Aaron Harmaty’s practice involves assisting families and individuals in dealing with medical debts, whether that is in negotiating settlements, litigation, or even bankruptcy. As a firm that handles a panoply of financial related legal issues, we can provide you multifaceted advice.

Common Scenarios
Medical debt can come from emergency care, surgery, out-of-network charges, billing mistakes, or denied claims. If the numbers don’t add up, it’s worth reviewing the details.
Your Rights
You have rights related to billing accuracy, fair collection practices, and dispute processes. The right approach depends on the provider, insurer, and timeline.
What to Expect
Most matters begin with gathering records and identifying the best leverage points—errors, coverage issues, or negotiation options. From there, we can pursue a strategy focused on clarity and relief.
Ready to talk?
If medical debt is weighing on you, let's discuss your options.
This page provides general information and is not legal advice. Outcomes depend on the facts of each case.
Tel: 973-309-5492
Email: aaron@harmatylaw.com
Address:
21 Van Doren Ave, Chatham, NJ 07928
© 2026 The Law Office of Aaron Harmaty LLC. All rights reserved.

