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-   -   Medical bill (https://www.askmehelpdesk.com/showthread.php?t=42563)

  • Nov 13, 2006, 09:44 AM
    brenda21
    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
  • Nov 13, 2006, 09:45 AM
    ScottGem
    If you have been sued and have a judgement against you, but there is no money to pay, not much you can do.
  • Nov 13, 2006, 09:47 AM
    brenda21
    Can I get a loan to pay it off/i do work but not a big income
  • Nov 13, 2006, 09:49 AM
    ScottGem
    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?
  • Nov 13, 2006, 09:56 AM
    brenda21
    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.
  • Nov 13, 2006, 10:40 AM
    ScottGem
    That doesn't answer all that I asked. Are you currently being garnished? If so, how much is being taken?
  • Nov 13, 2006, 10:55 AM
    brenda21
    Yes,25% of check per week
  • Nov 13, 2006, 11:29 AM
    ScottGem
    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.
  • Nov 13, 2006, 12:48 PM
    brenda21
    Can not negotiate with them already filed a chapter 7 bankruptcy in 2004
  • Nov 13, 2006, 01:01 PM
    ScottGem
    Wasn't it discharged then?
  • Nov 13, 2006, 01:05 PM
    brenda21
    Yes,but lawyer told me I cold not file again for 6 years this is in Tennessee
  • Nov 13, 2006, 01:41 PM
    ScottGem
    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.
  • Nov 13, 2006, 01:46 PM
    brenda21
    No it was not part of it was incurred after that
  • Nov 13, 2006, 02:17 PM
    ScottGem
    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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