http://www.bankruptcy-help-resources.com/can-a-person-file-medical-bankruptcy-before-the-7-year-term-on-a-regular-bankruptcy-is-up/ Quick Answers to Bankruptcy Questions & Understand How Bankruptcy Laws Affect You Thu, 09 Sep 2010 03:49:18 +0000 http://wordpress.org/?v=2.5.1 http://www.bankruptcy-help-resources.com/can-a-person-file-medical-bankruptcy-before-the-7-year-term-on-a-regular-bankruptcy-is-up/#comment-414 Lea Tue, 06 Jan 2009 05:03:27 +0000 http://www.bankruptcy-help-resources.com/can-a-person-file-medical-bankruptcy-before-the-7-year-term-on-a-regular-bankruptcy-is-up/#comment-414 I use to be a legal medical collector at a collection agency. We use to write alot of these debts off if we could not find any assets on the customer. I don't know her situation so I will give you a few scenarios... If she does not own property, then the collection agency cannot put a lien on her home, if she does not work or they do not know where she works then they can not garnish her wages. If she works, never tell a collector where u work. They can't magically find out unless you or your relatives tell them. Last if they don't know where she banks then they can't levy her checking account. If she has ever written them a check before they have stored her banking acct information and they can get a judgement and levy her account. If this is the case all she has to do is close that acct and open a different at a different bank and tell them she does not have a checking account and she can only pay by money orders. So to summarize if a medical collection agency does not have any of the 3 assets I mentioned then she has nothing to worry about and my advise is not to file for bankruptcy again at all. Its not necessary. The next time a collector calls her have her tell them on the phone and write a signed letter that she wants them to cease all contact by letters or phone that she has no assets and if they don't abide the collection agency will be breaking the FDCPA LAW Which protects consumers against harrassing collectors. What I mentioned above is the scenario for a person who has no assets. I know because I use to write these debts off all the time. If she has assets and this bill is huge she can quick claim her property out of her name into her kids name, change her bank and job if she has to. There are ways to get around it. Good luck! I use to be a legal medical collector at a collection agency. We use to write alot of these debts off if we could not find any assets on the customer. I don’t know her situation so I will give you a few scenarios… If she does not own property, then the collection agency cannot put a lien on her home, if she does not work or they do not know where she works then they can not garnish her wages. If she works, never tell a collector where u work. They can’t magically find out unless you or your relatives tell them. Last if they don’t know where she banks then they can’t levy her checking account. If she has ever written them a check before they have stored her banking acct information and they can get a judgement and levy her account. If this is the case all she has to do is close that acct and open a different at a different bank and tell them she does not have a checking account and she can only pay by money orders. So to summarize if a medical collection agency does not have any of the 3 assets I mentioned then she has nothing to worry about and my advise is not to file for bankruptcy again at all. Its not necessary. The next time a collector calls her have her tell them on the phone and write a signed letter that she wants them to cease all contact by letters or phone that she has no assets and if they don’t abide the collection agency will be breaking the FDCPA LAW Which protects consumers against harrassing collectors. What I mentioned above is the scenario for a person who has no assets. I know because I use to write these debts off all the time. If she has assets and this bill is huge she can quick claim her property out of her name into her kids name, change her bank and job if she has to. There are ways to get around it. Good luck!

]]> http://www.bankruptcy-help-resources.com/can-a-person-file-medical-bankruptcy-before-the-7-year-term-on-a-regular-bankruptcy-is-up/#comment-413 Mindy H Sun, 04 Jan 2009 00:28:49 +0000 http://www.bankruptcy-help-resources.com/can-a-person-file-medical-bankruptcy-before-the-7-year-term-on-a-regular-bankruptcy-is-up/#comment-413 The answer is no. They will not and can not discharge a Bankruptcy, if there was a previous discharge within the last 7 years. The answer is no. They will not and can not discharge a Bankruptcy, if there was a previous discharge within the last 7 years.

]]> http://www.bankruptcy-help-resources.com/can-a-person-file-medical-bankruptcy-before-the-7-year-term-on-a-regular-bankruptcy-is-up/#comment-412 rec Fri, 02 Jan 2009 01:29:27 +0000 http://www.bankruptcy-help-resources.com/can-a-person-file-medical-bankruptcy-before-the-7-year-term-on-a-regular-bankruptcy-is-up/#comment-412 she'll need to wait. she’ll need to wait.

]]>