Recent content by arm2428

I'm sure you have a lot more experience in these types of matters, whereas I have absolutely none. In your opinion, and experiences, how likely is it that I will be sued? The debt collectors don't usually stop this soon, do they? Oh, and no phone calls from them at all yesterday. That has not...

No 3rd letter? I got the first collection letter last week of July, the second one in last week of August. I haven't received a third letter since then. Is a summons and lawsuit imminent? I thought I would have at least six months of collections activity. I'm worried I'm going to get served...

I got my first collections letter on Thursday. They say if I don't dispute the debt, and don't make arrangements to pay it, which I can't, they will start a lawsuit against me in 30 days. They say they will get a judgment against me and they will win. All of this in just the first letter! I am...

When I was turned down for financial assistance by the hospital, I went to a bankruptcy lawyer. She told me in order to declare bankruptcy, I would have to turn all my cash over to the bankruptcy court. I told her I couldn't do that, I need the money to live on. So she told me to just let the...

I appreciate all your answers. I really do. It's good to know I'm talking to a lawyer. I've been researching this quite a bit, and have heard all kinds of stuff. Most of it scares me. So if the collection agency sues and gets a default judgment, what happens next? Will I be summoned to court...

Are you a lawyer? I've been told trying to hide assets is a bad idea, as well as illegal. I already took out a big chunk when I first realized what was probably going to happen. I just panicked. I've been told when I get sued, there will probably also be a supplemental hearing, where they will...

The hospital told me that appeals are futile. They go by what you had when you came in to the ER. They said I had the ability to pay. Really? 18K does not equal 31K. I'm so scared. I have 5K in the bank, I can use to pay the doctor bills and regular bills. And not much more. We also just went...

I was turned down for financial assistance or charity care because I had $18K in the bank at the time of the surgery. The hospital found out when I applied for f.a. Had to send hubby's proof of income (less than $200 a week), and a bank statement. I don't have anywhere near that now, but some...

I had an emergency surgery back in January. The hospital bill is over $31K. I can't pay it. I tried to negotiate with the hospital and they refused to work with me. I worked out a payment plan with all the other doctors, and bills from that surgery, but the hospital was a no-go. I don't know...