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Expert: Michael Brotherton - 10/13/2008


Question
My husband had back surgery in 2004. I didn't sign anything or give any of my information at the hospital. He was working at the time. He hasn't worked much since then. I can't afford the bill of $13,000.00. The hospital was able to get judgment on me and are taking me to court to garnish my wages. I am the only one working and have 3 children to support. Since this is not my debt, can they actually do this? If so, is there any way that I can stop it? I am desperate. I am already in foreclosure on a second house that I had and couldn't afford to keep and  couldn't sell. The phone company cut my phone off and I have disconnect notices on my water and electricity bills. Is there any help for me? I don't know if it makes a difference, but I am in the state of Virginia.

Answer
It appears they may collect from you on medical debts for your spouse. You may try to defend yourself against this action but they already have a judgment and it may be too late unless you have a legal reason for filing a motion to overturn the judgment.

You might consider filing a Chapter 13 bankruptcy to stop any collection activity against you but you may not be able to afford the payments if your husband does not work.

If I had more information I may be able to come up with some options for you. If you would like to discuss your options give me a call at 937 372 8581. We are now a full service law firm and may be able to negotiate with your creditor to stop any collection activity.

Let me know.

Mike

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Michael Brotherton

Expertise

Consumer/Debtor Rights Advocate. Mike Brotherton is a negotiator with over 30 years experience in consumer lending and collections. Mike has 30 years in the credit and collections industry as a former loan officer, debt collector and manager of two finance companies over several years. Mike is well versed in Loss Mitigation practices and the legal collection process. He has helped literally thousands of people over many years overcome serious financial problems such as foreclosure, creditor lawsuits and abuse by debt collectors. For more information about resolving your "financial emergency" visit www.financialemergency.com. FinancialEmergency.com is a consumer web site which actively promotes Fair Debt Collection Practices and other consumer protection laws. We teach DEBTOR RIGHTS and enforcement of those rights. The more informed you are of your rights and the credit collections practices of creditors the more peace you can have dealing with your FINANCIAL EMERGENCY. Most financial problems are fairly common and as such have some very common solutions. The key is understanding your rights in the collection process and how to enforce them if need be. Primary business- Debtor Rights Advocacy and Debt Mitigation relating to foreclosure, creditor lawsuits, and other serious financial problems. www.financialemergency.com (copy and paste in browser).

Experience

Over 40 years combined experience negotiating disputes and resolving financial issues related to consumer debt, corporate issues and mortgage modifications.

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