I received a summons to appear for a hospital debt. What are my options? I’m unemployed with zero income. What should I do? I don’t own a home. Have a huge car payment and the cost of living to try and afford.
Anytime you have been sued, the creditor is coming after your paycheck or your bank account. You need to talk to an experienced bankruptcy lawyer to find out how bankruptcy may be able to help. The first visit to talk with a lawyer is free. Even though you don’t have a paycheck right now, you are probably taking action to get a job soon. Both types of consumer bankruptcy, Chapter 7 and Chapter 13, will stop a lawsuit and kill the underlying debt. It is best if you can take action before a judgment is granted.