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Hospital bill Judgement

by Linda
(Georgia)

My husband had a heart attack 1 1/2 years ago had no health insurance and was laid off from his job shortly after. He found work but is self employed and is not supposed to work anymore than 7 hours a day. The hospital would not accept the payment we could afford and are now suing him for the full amount of $21,000 plus interst of $8,000. The debt was in his name only, but I am afraid they can take my money as well. I work part time as an Office Manager 3 days a week. He was on unemployment for 6 months last year and we could barley make ends meet. Can they seize our bank account and garnish my wages as well. I feel his only recourse is to file bankrupcy, since he can't afford to pay that kind of debt. We are both 60 years old this year and unfortunately I don't know what to do.

Comments for
Hospital bill Judgement

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May 12, 2010
Hospital Bill Judgment
by: Mary

Thanks for submitting your debt collection question on our Q&A page.

So sorry to learn about your financial struggles. Unfortunately I hear similar stories all too often these days.

If you are being sued for your husband's medical debt, you need to consult with an attorney right away. It's important that you not try to represent yourself in the lawsuit, that you file a response to the lawsuit, and that you appear in court on the date of the hearing related to the lawsuit. I suggest that you either set up an appointment with a consumer law attorney in your area with experience in debt collection cases. Find out how to get FREE or low cost legal advice about debt collection from a consumer law attorney here.

If you don't show up in court on the day of the hearing, the judge will give the medical provider a default judgment against you for the amount of money that you've been sued for; but if you show up and your attorney explains your situation, even though you may still end up with a judgment against you, the judge may show compassion, especially since you did offer to pay at least some of your outstanding debt, and order you to less than the full amount that you owe.

If the medical provider gets a judgment against you, it would be able to go after the money in your bank account and could put liens on assets that you owe. Given that the debt is in your husband's name only, I do not think that the provider could garnish your wages, but I am not an attorney so you should talk with an attorney to be sure.

I also suggest that you consult with a bankruptcy attorney immediately given the state of your finances. Click here for a free consultation with a bankruptcy attorney.

Please share what happens with your situation in the comments section for this question. We are very interested in hearing how this turns out for you, and your experience can help others who are facing struggles like yours.

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