debt garnishment

by Millie
(ada oklahoma)

Can a debtor garnish you pay check for past due medical bills in the state of Oklahoma?

Comments for debt garnishment

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Dec 28, 2011
debt garnishment
by: Debtcollectionanswers.com

Millie:

The medical provider could garnish your wages for your past due medical debt, but not without suing you first and winning the lawsuit. Then it could ask the court for permission to collect on the judgment by garnishing your wages.

If you are worried that this may happen, there are actions you can take that may help you avoid garnishment. For example, have you contacted the medical provider to try to work out a payment plan that would allow you to pay off your debt over time? Most creditors would like to avoid the cost and hassle involved in suing someone for a past due debt so the medical provider may be open to a payment plan. However, it will probably only agree to one that gets your debt paid off relatively quickly, especially if the debt is very old.

If you are able to negotiate a payment plan with the medical provider, get all of the terms of the plan in writing before you begin paying on it. Also, be sure to live up to those terms because if you don't the provider is likely to cancel the agreement and pursue legal action.

I don't know the overall state of your finances, but if you have a lot of debt, filing for bankruptcy may be something you want to consider. Depending on the kind of bankruptcy you file, you will be able to get rid of most of your unsecured debt, including your medical debt. Also, when you file, all collection actions against you, including lawsuits and garnishments are halted. Of course filing for bankruptcy is a significant step to take and the process is complicated, so you really need the help of a bankruptcy attorney, a FREE consultation with a bankruptcy attorney. The attorney will determine if bankruptcy is right for you and if it is and you decide to file, the attorney will guide you through the process and make sure that you realize the maximum benefit from filing, including getting rid of as much debt as possible and holding onto all if not most of your assets.

I also recommend that you read medical debt collection, which explains other options you have for resolving your medical debt.

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