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Have you considered filing bankruptcy?
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Yes, bankruptcy covers medical bills. Perhaps the last paragraph above was misleading, I didn't mean to indicate there was no followup questions. So yes, bankruptcy covers medical bills. Or you can agree to a settlement with the creditor which you have already said you cannot afford. Or you can let them get a judgment and try to garnish someone's wages. Those are really the three options. Do you have other questions given this information?
So right, all they can do is get a civil judgment against you. You cannot be arrested or go to jail. All they can try to do is get money from you by garnishing your wages or your bank accounts. They can find out where you work and where you bank by serving you with a "judgment debtor's exam" which means you need to show up and give them documents and answer their questions, but that is all. Once you go through that, if they even choose to do that, then all they can do is use that information to garnish. Yes they can garnish your wages. It is generally 25% of your net take-home pay but you can request a hardship and have that lowered to 10% or 15%. I doubt you have a defense to the medical bills claim so just let them get their judgment and see what they do. They might not even pursue you further.
Yes they can and I was going to ask about that to be sure. Do you own a home or land? If so, what is it worth and is there any mortgage on it? If so, how much is the mortgage?
Ok, then yes, the real property is a problem. Is the real property in Florida the place where you live or is it raw land?
Do you know if you live in a municipality or not? (Need these details to answer your question).
Alright, well if you are not in a municipality then you can claim the homestead exemption in Florida for that property you live on and the entire property is protected from creditors. The land in Penn is not protected and creditors could put a lien on it if they find out about it. You are entitled to exemptions of $1,000 in vehicles and I doubt any creditor will pursue those. They will likely just pursue wage or bank garnishment. You can exempt personal property up to $4,000 including bank funds but the money would be tied up while fighting over that. It would be best to keep minimal amounts in the bank accounts so long as the creditor is collecting.
No, that is what I was mentioned, if you do not dispute that the money is owed, just do nothing and let them get a default judgment. Great news about the homestead protection! Best of luck. Please kindly rate the response and I can close the question.