Have Legal Questions? Ask a Lawyer Now.
Hi - my name is XXXXX XXXXX I'm a litigation attorney here to assist you.
If you go to them and offer a payment plan that you can afford, they'll likely agree to that. This is especially true if you're self-employed as a wage garnishment would be completely uneffective. The creditor could seek a bank garnishment and recover from you that way, but it isn't a great option for the creditor.
Will this effect my credit?
And what do I do if they collection agency does not want to accept my offer? I have made a list of my monthly bills to take in with me, which does not yet even include the quarterly taxes I have to shell out to the IRS!
I am afraid that due to the large amount of the bill, they will want a very large payment, which is just not possible. I am willing to offer 100 to 150, but I can't go much more above that!
If a judgment is rendered against you, yes, it will impact your credit.
All you can do is offer what you can afford and see what happens. If they refuse, their options to collect are really limited since your wages can't be garnished. You've heard the old addage "you can't get blood from a turnip"; that's applicable here because you can't be forced to pay something you can't.
Because of the difficulty to collect without the cooperation of the debtor, the creditor should be willing to work something out with you.
Thank you so much.
I am hoping that they will accept it.
My husband is not self employed, but we have separate accounts, since mine is for
work. Can they go after his wages? My name is XXXXX XXXXX one on the account with the collection agency.
And one other thing, can they charge interest on a medical bill, and are there any statutue of limitations on medical bills? Since one of these is from 2000. I have been paying them between 50 to 100 a month most months (I have missed some payments, but not many in a row), so I am surprised the amount is this much. I didn't think they could charge you interest on medical bills....
No, your husband is not liable for this debt and they can't come after his money because West Virginia is not a community property state (meaning that one spouse is not legally responsible for the debts of the other).
Yes, interest can be charged on medical bills. The general rate is 6-8%
Do I have any rights to negotiate that they not charge interest?
I hate to keep asking, but I just want to be prepared when I go in tomorrow!
Thank you very much for your help.
I'm a nurse, does this site hire nurses to answer medical questions?
Have a great weekend
Sure. No problem.
Good luck with this issue; I would also encourage you to look into becoming an expert here. It's a great "second job" to make some side money.
I definately will!
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).