Spouses medical bills

My husband had a knee surgery while we were married in the state of Montana. We divorced and he filed bankruptcy. Now I have pulled my credit report and find that there is a judgement against me for 8000.00 that I never knew about for his medical bills. I called the collection agency and they state that he was relieved of the debt when he filed bankruptcy and that it is my responsibility to pay the medical bills. I thought Montana was a separate property state? They are adding 10% interest to the debt annually. What can I do? I never signed anything accepting responsibility for these bills. Please help!

Comments for Spouses medical bills

Click here to add your own comments

Jun 04, 2014
Medical Bills
by: Anonymous

I have $41,000 in medical bills from 2013 in the state of IN. I just received my final bill, and they have cut the bill in half, but I still can't afford $41,000. My husband called them to work out a payment plan and they said it has to be paid in 36 months, at $1100 a month. Well, we definitely can't afford that each month. What other options do we have? Also, I am hoping these debts are only in my name, even though I'm married. As of now my name isn't on the title/mortgage to our home, and I'm not on the loans for any of our vehicles. Can debt collectors go after my husbands assets even though it is my debt and I don't own anything?? I honestly don't know how they can expect anybody to have that kind of money to pay each month. Any advice would be greatly appreciated. Thank you!

Reply from DebtCollectionAnswers.com

We agree with you. How many people have that kind of money to put toward medical bills? Unfortunately the situation you are in is one that has driven millions of American families into bankruptcy. As painful as it may be, we recommend you meet with a bankruptcy attorney to find out what your options are. It may be possible that you can file without your husband. Or perhaps with the threat of bankruptcy looming you can get them to come down further.

We are so sorry our messed up medical system has put you in this position and hope you are able to find a way out.

Jun 14, 2012
Spouses medical bills
by: Debtcollectionanswers.com

Yes, you are right, Montana is a separate property state. However, some states, and Montana is one of them have laws that make spouses responsible for each other's medical debts. Therefore, given that your spouse did not pay what he owed, Montana law allows the medical providers to come after you for their unpaid bills.

The law, which exists in many states, is generally referred to as Necessaries Doctrine." Among other things, it says that if a good or service provided to a spouse was necessary for his or her health and well-being then the both spouse's are liable for its cost.

I recommend that you contact a consumer law attorney in your area who helps consumers resolve their debt collection problems to see if there is anything you can do about your problem, but I will be honest, there may not be given the law. You can also go here for a free consultation with a consumer law attorney. And for free advice about medical billing issues, we recommend you visit .

Good luck!


Click here to add your own comments

Return to Medical Debt Collection Questions.

Learn how debt collection laws can help you!
This website does not provide legal advice.
All information is for educational purposes only.
Copyright 2007 - 2015 by Mary Reed and Gerri Detweiler.
All rights reserved.