my husbad and myself, a personal medical bill for $20,253.22
we would pay if the payments were within reason, we would approve automatic payments withdrawn from our bank account, we don't really want to go through bankruptcy, unless it just takes care of this medical bill,this bill is at least a couple of years old,
to be honest we can't remember it was all overwhelming, when we moved it just got forgotten in the shuffle
no we have not
Thank you for your follow-up, Valerie.
The first step is always to contact the opposing party and to request a payment plan or conditions under which the debt can be repaid. This is a good option if you are not denying that the debt is valid, and that you are willing to pay it. The other party tends to favor that option since it lowers their costs and cancels the need to go to court. The problem here is since this is a valid debt, they can legally demand or pursue you for the full amount and/or also create payment options that are unreasonable to you or are otherwise unrealistic. While I am not advocating bankruptcy, ask for their options first because if you cannot pay it, bankruptcy may be the only practical solution especially based on the sizable amount under this debt.
Hope that helps.
if we end up going to court should we get an attorney and what kind should we look for?
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