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    brenda21's Avatar
    brenda21 Posts: 7, Reputation: 1
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    #1

    Nov 13, 2006, 09:44 AM
    Medical bill
    How do I take care of a medical bill after its been garnished through the courts and do not have the money to pay it
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
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    #2

    Nov 13, 2006, 09:45 AM
    If you have been sued and have a judgement against you, but there is no money to pay, not much you can do.
    brenda21's Avatar
    brenda21 Posts: 7, Reputation: 1
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    #3

    Nov 13, 2006, 09:47 AM
    Can I get a loan to pay it off/i do work but not a big income
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
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    #4

    Nov 13, 2006, 09:49 AM
    Ok maybe you need to explain further. Are you being garnished? Is the problem that more than you can afford is being taken out?

    Why would you get a loan when you can just make payments to the creditor?
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    brenda21 Posts: 7, Reputation: 1
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    #5

    Nov 13, 2006, 09:56 AM
    I have a medical bill that is 6,000 dollars I only make 8.oo dollars and hour at my job and get only 31.5 hours a week. I have just recently did a move in to a house and also have a car payment hard to make ends meet.
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
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    #6

    Nov 13, 2006, 10:40 AM
    That doesn't answer all that I asked. Are you currently being garnished? If so, how much is being taken?
    brenda21's Avatar
    brenda21 Posts: 7, Reputation: 1
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    #7

    Nov 13, 2006, 10:55 AM
    Yes,25% of check per week
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
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    #8

    Nov 13, 2006, 11:29 AM
    Ok, So your options are to try and negotiate with the creditor for a more affordable amount. A loan might be a possibility but would probaby cost you more than the garnishment. Another option might be bankruptcy.

    Try contacting the creditor and see what you can negotiate.
    brenda21's Avatar
    brenda21 Posts: 7, Reputation: 1
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    #9

    Nov 13, 2006, 12:48 PM
    Can not negotiate with them already filed a chapter 7 bankruptcy in 2004
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
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    #10

    Nov 13, 2006, 01:01 PM
    Wasn't it discharged then?
    brenda21's Avatar
    brenda21 Posts: 7, Reputation: 1
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    #11

    Nov 13, 2006, 01:05 PM
    Yes,but lawyer told me I cold not file again for 6 years this is in Tennessee
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
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    #12

    Nov 13, 2006, 01:41 PM
    Was this $6000 discharged as part of the 2004 bankruptcy? If so, then you should show the bankruptcy papers to employer and they will release the garnishment.
    brenda21's Avatar
    brenda21 Posts: 7, Reputation: 1
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    #13

    Nov 13, 2006, 01:46 PM
    No it was not part of it was incurred after that
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
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    #14

    Nov 13, 2006, 02:17 PM
    You can still negotiate with them then. But you can't refile. So you are caught between a rock and a hard place.
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