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staceyb605
Apr 6, 2010, 09:05 AM
Collection Company served papers on my ex-husband and I for debts that accrued after our divorce was final, we were being sued as married, and my right to privacy has been violated as this was violated for both Federal Privacy Act and HIPAA. I was divorced in 2002, Meade County, and was first notified by Collection Company, 05/20/2009 by an Attorney that has discussed my account with my ex-husband as recently as 03/29/2010, by phone following court proceedings for this matter when a judgment was in place against me.
Our divorce decree is a public record, and due to the nature of said debts, it was imperative that my information and type of debt remain (medical/mental health hospitalization) confidential, and not released to my ex-spouse. I would have thought that the hospital would have provided the Collection Company information with whom the dent was against and where I was married or not. After my hospitalization, I received papers to have the debt covered through a county grant, due to the hospitalization was for mental health issues, and I was unemployed and indigent. The hospital never sent me any bills and the services were in 2003.Ex Spouse disputed the debt because we were divorced when the debt occurred. Collection Company denied us copies of any information that would validate that the debt was accurate. We did not see any hospital forms signed by either Ex Spouse or myself or even any papers that would have shown proof of a mailing address I was using at that time, not my current address.
They provided information to my ex-husband and released his information to me. We provided public records to show that we were divorced and requested that the judge require the collection company to re-file due to their negligence; the judge declined our request and issued a judgment on me, while my ex-husband was able to satisfy what he owed. The debt is from 2003 and the statute of limitations expired 10-2010
With the judgment in place against me, can they attach the judgment to an S Corp that has bank accounts and assets in my name?
I am considering Chapter 7 on medical debt there is approximately $30,000. I have student loans that are deferred and $1500 of credit card debt that is current.
I am a student will a bankruptcy make me ineligible for the student loans I am already approved for?

Fr_Chuck
Apr 6, 2010, 09:37 AM
A bankruptcy (and a judgement also) will lower your credit score a lot, so yes this can effect you getting a loan, if credit is needed.

Perhaps I missed it, ( you threw a lot of non relevant material in) but when was the debt made, I will assume it was medical, was it done with medical insurance provided by your ex ?

Why would he be served, was he at the hospital and sign for it ?
How I guess did his name even come into the debt ?