only want out of some debts - ch 7?

[pootsybaboo]

What is the name of your state? - Florida

I recently got judged against for a hospital bill - $3600. Most of the charges are bogus - all I got was some antibiotics. I don't want them to garnish my wages. And I have some old debt that has been sold to a factoring company that I also want to get rid of. But I do have a credit card (about $200) I want to keep paying on...

I don't have any property, but I do have a car (paid for) I need for work that's worth about $2000 maybe or $2200. I think the car exemption in FL is only $1000 - does that really mean they will take my car?

Isn't there some kind of modified Chapter 7?

 

[Ladynred]

Isn't there some kind of modified Chapter 7?

No.

I recently got judged against for a hospital bill - $3600. Most of the charges are bogus - all I got was some antibiotics.

Then did you DISPUTE the charges with the hospital ??

But I do have a credit card (about $200) I want to keep paying on...

You must include ALL DEBTS in bankruptcy, you can't pick and choose. It would be pointless to try to keep a credit card with even a small balance because most creditors are going to close the account and void your card the minute they see that you've filed for bankruptcy.

but I do have a car (paid for) I need for work that's worth about $2000 maybe or $2200. I think the car exemption in FL is only $1000 - does that really mean they will take my car?

Yes, the Trustee could take your car. However, you need ot get a trade-in value quote on your car, not an "I think" value. It may not be worth what you think. You could always REDEEM the vehicle -- meaning you pay the Trustee the current market value of the car to keep it.