I Need Help And Advice!!!!

[wishpony]

My jurisdiction is: Oregon, USA

I am really needing some help. I got sent a letter yesterday from a credit agency getting ready to file a lawsuit against me for numerous medical bills that I haven't been able to pay. I have numerous health conditions (diabetes, high blood pressure, neuropathy, migraines, chronic pain) which have caused these medical bills. I have been trying to pay as much as able on bills that I can with what I am able to work at this point. I can't even afford the $150/month in medications I need to live and that's with insurance (and I work for the insurance company)> I called them and offered to pay them $20/month but they said that was unacceptable where one other collection agency accepted it and one of the hospitals has accepted $10/month payments so I can live and pay some living expenses. I want to know what I can do so I don't get a garnishment out of my check I can't afford. And please don't be rude to me about it as someone was on another forum. I am needing advice and am embarrassed about this as it is because I can't get my health issues under control and am constantly at doctors. Thank you.

 

[Theresagail]

If it is that bad you need to talk to a bankruptcy attorney ASAP. Those collectors will not stop until they are paid. If they are not accepting the amounts you can pay they will eventually garnish your wages.

 

[wishpony]

But here in lies the problem: a bankruptcy lawyer costs money which I do not have. Is there any free services in Jackson County, OR available to me to where I can file bankruptcy for medical reasons??
I feel like I am stuck between a rock and a hard place.

 

[Theresagail]

not that I know of-- you may want to check around some attoneys will let you do payments tillt he fees are pIF then they will file the bk for you. or you can file a Cptr 13 and the fees will go into the bankruptcy plan.