What are implications of getting a judgment for medical debts?

by Frank
(Clarksville TN)

Figure am about to be served, am wondering what are the implications (short & long term), to having this against me. I own nothing, (been without regular work for over 21 months), and have only a bank account with no money in it. Am wondering is this judgment forever plus interest, and can I one day do a bankruptcy & include a Judgment?

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Mar 19, 2010
Judgment collections
by: Gerri

Frank,

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

I am glad you are checking into this now, rather than waiting until you are sued.

According to my sources, judgments in Tennessee last for ten years. Because you don't appear to have much that the creditors can go after, there may not be a lot they can do right now, but you may find yourself having to answer questions about your finances every so often as they continue to try to collect that judgment.

Judgment debts are often wiped out in bankruptcy. However, if you are going to have to file, it may make sense to do so before you are sued for this debt. (That way you don't end up with both a judgment and bankruptcy in your credit.) I would suggest you set up a a consultation with a bankruptcy attorney. The attorney can tell you what the creditor can and cannot do to collect from you, and help you decide whether bankruptcy might be your best option for dealing with this debt.

Please let us know what happens. I hope things will turn around for you soon.

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