Ironwood, MI Bankruptcy Law Firms & Lawyers

If this is a debt collector, that communication is illegal. I'm guessing it's a scam. I have been getting a lot of calls from consumers getting harassed by alleged collectors for payday loan companies. But the collectors never leave phone numbers and don't have legitimate addresses. If you don't owe any money, the call is likely a scam. They want your bank information over the phone. Don't give it to them! Ask the collector what date they are collecting, who is the original creditor, where they are located, what their phone number is. If they are talking about putting you in jail, it's almost certainly not a legitimate collector and a legitimate debt.

There is no hard and fast rules about who should file bankruptcy and the more important question I would need to ask you is whether the medical problems that led to the large medical debt have been resolved or may continue. If you have ongoing medical problems, it would be a shame to use up your right to eliminate debts in bankruptcy only to find yourself back in as much or even more debt shortly afterwards. You probably know that unless you are so disabled that you will never work again that you won't be eligible to eliminate your student loan debt. What you should do is consult with a kind and compassionate local bankruptcy attorney for individual advice.

1. Submit an application for charity care. Hospitals are required to provide same in return for their tax exemptions. 2. If you have no significant real or personal property, the hospital can obtain a judgment, but may not be able to collect anything.