Make sure he shows up when he's supposed to. Explain the situation, financial hardship, and see if they are willing to settle for a lesser amount. Don't let them win a default judgment by not showing up because you'll have a very nasty mark on your credit report for 10 years, AND you'll have to pay the full amount.
I was just wondering, what if we can settle for a lower amount and he pays it and everything, can we ask them to take it off his credit report? or will they not do that? I've been reading a little about writing a PFD to get them to take it off but if we're already going to court over it does that mean it's too late to write one?
EDIT: Ok we went to the courthouse today to show them the summons and I thought they would set a court date but they wanted an answer from him, like does he deny or admit that he owes the money. He told the women that he admits he owes it, he just doesn't have the money right now to pay it. So, she said maybe he should call them and try to make an agreement or something before he gives his answer. Is that a good idea? This is all so confusing to me. And is he supposed to call the hospital or the collection people?
I got a summons years ago from a non-secured bank loan. I called the bank immediately and set up a payment (I think I took a loan from my 401k). On my report it reflects as a charge-off instead of a judgment.
I'm pretty sure judgments stay on your record for 7 years from the filing date. I did research on it lately for a couple other people.
I'm pretty sure there IS a SOL on medical bill collections, however once a judgment is filed, it can report FOREVER if they keep the judgment active.
FEB '08 FAKOs: TU 628 | EX 650 | EQ 584 JAN'09 FAKOs TU 686 | EX 705 | EQ 664 EQ FICO: FEB '08 646 | APR '08 678 | SEP '08 679