Legal Question in Credit and Debt Law in Wisconsin

Yes, it is legal for a creditor to turn a bill over to collection at any time that it is in default, even after setting up an installment payment agreement and even if the debtor is making regular payments. However, it is also legal for your daughter to file bankruptcy, which is a constitutional right in the United States , when facing collection activity. Simple chapter 7 bankruptcies totally discharge medical debts, as well as most other unsecured debts. She therefore owes it to herself to at least set up a free initial consultation with an experienced bankruptcy lawyer. Income tax refund checks are often more than sufficient to pay for a bankruptcy filing, which in turn can solve nearly all financial problems relating to unsecured obligations and even utility bills with one simple court case. My comments in this online forum are offered for public educational purposes only and are not legal advice, nor do they create any attorney/client relationship between us. However, I may be able to formally represent you if you contact my Racine office and make arrangements to retain me. I also represent clients throughout WI.