Legal Question in Credit and Debt Law in California
I just had emergency surgery that cost me $61,000. I have no health insurance and some of it was forgiven but I still owe $31,000. I don't work, only my husband does and he doesn't make a lot of money. I repay my 7 doctors $10. each a month. They want me to pay more and one is telling me if I don't pay at least $100 to him a month, he will start adding on finance fees. I have many other debts and can't afford more than I pay. I am trying to avoid bankruptcy, what can I do?
2 Answers from Attorneys
You do not want to avoid bankruptcy. Bankruptcy is your friend. There is no way on this earth that you're ever going to be able to come up with $31,000-plus-whatever your other debts are. I can only speculate on why it is you feel you want to avoid bankruptcy, but the bankruptcy laws were created to give honest but unfortunate people a fresh start, and it sounds like you are exactly the kind of good person the bankruptcy laws were intended to protect. You really need to sit down with a bankruptcy attorney, both of you, and bring a list of your assets, debts, income, and expenses. Do not get your legal advice from your creditors or from well-intentioned friends or relatives.
Mr. Stone's advice is sound. This is a dilemma that millions of Americans are facing and, one of these days, Congress will tackle the issue of health care for all. Write a letter to your member of Congress and your senators to detail your story.
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