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Question
My ex husband let the health insurance on our daughter lapse. She had work done at the dentist(1300$) and they are now holding me responsible for the bill. I offered to make payments and the creditors refused saying that they would only take payments secured with a credit card or checking account. I have neither, but would send them a money order or delever the payment in person on the first of each month when I am paid. They refused and said they will sue me and garnish my wages, then hung up. I have also tried to contact the dentist to work something out and they said it was in the hands of the collection agency. What can I do?
Make your payment proposal in writing by certified mail. Send a payment with the proposal. They are only bill collectors. I am not sure whether they can actually sue you for this debt if you didn't sign anything. It depends on your state. Tell me what state you are in and I will check it out.
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Answers by Expert:
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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