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Hospital Bill Judgement

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Rossie83

Member
What is the name of your state?KY
I am all over this forum with money issues. So, I am in a chapter 13 until June of 2022. Which is actually an accomplishment since most people don't complete those things. But with COVID I was unemployed and got behind a little and paid my Trustee but dealt with my issues and those are over. However, some hospital that I did go to sent me a civil summons for 575 dollars and I owe it so I let them get a judgement. I mean, why fight it....I KNOW I owe it.

So, I have a bank account, But I don't work now. I worked to pay off my friend I owed some money to and then quit. The 20 day period was up 2 days ago. In the past I had a good job and let Discover card garnish my wages after they sued me and before my bankruptcy (I tried to NOT take bankruptcy until it was the only option). Anyway, I have savings in a checking account. And I want to know if these people can get my money? Because I am going to the bank and pulling all of my money out and just telling them they can settle on a payment plan each month or when I am no longer in a chapter 13 I can easily pay them off in one sweep. They are aware of my 13 and of course it is post petition debt and are aware the Trustee comes first and they give people very limited discretionary income.

So....do they garnish the bank accounts often? De they do it if the person has no job? To make it clear, I am trying to get a disability for my medical problems, and I have been speaking with lawyers and my doctors. So, my Mom is my main source of income, which is fine as I am an only child and will get everything anyway so she does not mind. Thankfully, this hospital is the ONLY person I owe money to because I wanted to be debt free after my chapter 13. In order to get a disability I can't work for six months prior to filing. So my recent job reset that. My family attorney, who does not do disability said I should just not work and stay with my mother for the 6 months and be happy I had that option. I know I feel like a deadbeat saying that but my attorney shrugged and said the system is set up against me, so I have to play their game.
 
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adjusterjack

Senior Member
do they garnish the bank accounts often? De they do it if the person has no job?
The hospital went through the cost and effort to sue you and get a judgment for $575. The judgment creditor cares only that there is money in the account. As long as it's not exempt money (i.e. disability payments) it's fair game whether you have a job or not.

I am going to the bank and pulling all of my money out
Good idea. A bank levy can happen at any time.

You can pay your bills with money orders.
 

Rossie83

Member
The hospital went through the cost and effort to sue you and get a judgment for $575. The judgment creditor cares only that there is money in the account. As long as it's not exempt money (i.e. disability payments) it's fair game whether you have a job or not.



Good idea. A bank levy can happen at any time.

You can pay your bills with money orders.
Yeah, I know, once it hits my bank it's not protected. And yeah 500 dollars, they must be really desperate. If they do levy the bank, I'll just deposit a little at a time and that will be my "payment plan". Because, I have bigger fish to fry that a 500 dollar hospital bill from two years ago when the hospital is doing just fine, financially.

I don't really have any bills except for health insurance and a phone. I'll just pay my Mom and she can pay them for me.
 
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