Andrew - The Facts

Last year, Andrew was taking steps to secure a home loan to buy a house. He was shocked to learn that there was a judgment against him for medical debt that he had no idea existed. Andrew had never received any information regarding an owing debt from any health care provider or debt collector. Andrew contacted the debt collector and learned that his debt had been accruing interest and fees since 2008! His bill of $9,330.92 is now $17,121.23. Andrew tried to work out a settlement or payment plan, but by the time he responded to the collectors, they had already initiated garnishment. He can’t understand why he was never contacted about the debt during the 12 years it was accruing interest.

Here are the facts:

Andrew was sued in 2008 after he did not pay for health services provided him in good faith after Andrew’s car accident.  Andrew was served personally with a summons and complaint on May 24, 2008 at his residence.  A judgment was entered against Andrew in 2008 and a copy was mailed to him.

On February 27, 2009, Andrew met with attorneys for the collector.  By June 24, 2009, the attorneys for the collector lost contact with Andrews.  

On April 4, 2012, Andrew called the attorneys asking about how much he owed on the judgment.  

On June 14, 2012, Andrew again met with an attorney for the collector and set up a payment plan.  Andrew did not honor his payment plan.

From June 14, 2012 until June 20, 2019, the attorneys for the collector heard nothing from Andrew.

However, on June 20, 2019, the attorneys for the collector received a phone call from a title company saying that Andrew was buying a new house and his judgment showed up on the county records.  Andrew also called the same day and told the attorneys that he had no idea what the judgment or lawsuit was about.  Andrew again set up payments with the attorneys for the collector but did not honor his payment plan.

On June 24, 2019, Andrew called the attorneys and offered to settle for $6,000.  Andrew has continued to talk about further settlement.  Meanwhile, Andrew has been making regular garnishment payments since August 2019.