Expert: Ray A Miller - 8/11/2010

Question
Today I received a summons for a lawsuit over a medical bill.  The bill is under $400 (plus the fees added on which equals to around $550 total) and was originally from December of 2009, nine months ago.  They have my work information as well, but unfortunately for all involoved, I work at a tax company and only work from December to mid April.  Obviously, wage garnishment is going to be difficult until December.  I do not have issues with paying off this debt but have no means with which to do so at this time.  My only bank account has less than $2.00 in it, so appropriating those funds will not get them too far either.  I live with my fiance, who at this time is only working one day a week due to the lack of jobs available to him.  Believe it or not, I have intentions of paying off this debt and several others this coming tax season so that I can get my credit cleaned up to buy a house.  I just need to know what I need to do since I have no way to pay anything right now.  What are my options?

Answer
The court will not be interested in whether you can pay or not but only if you owe the bill.  Your best bet is to try to work something out with the provider of the services.  Provide them with budget information to back up what you are saying and hope for the best.  Most medical providers are understanding when you stay in touch with them.

I hope you find this helpful.