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The amount of $$ involved in my situation is small enough to effectively preclude lawyer involvement, yet is large enough that I feel compelled to ask about any recourse I may have... I am married to a woman who had two children from a previous marriage. Both children were covered under their biological father's medical insurance, and additionally had Medical Assistance due to my wife's lack of income. I did not adopt either child. When the second child, Travis, was around 16-17 years old, he got into some legal trouble and quit school. A seperate Medical Assistance account was started for him due to placement in a juvenile corrections facility. When he was finished with that program, my wife re-applied for Medical Assistance for him, which she had difficulty getting nailed down due to the fact that Travis would not go back to school. Somewhere along the line Travis's original Medical Assistance account was re-instated. After Travis turned 18, I started receiving collection correspondence on a number of old medical bills for Travis. When I tried to work with the medical center and social services, I met resistance because Travis was no longer a minor. For various reasons I need not go into, I also couldn't get my wife to deal with the situation. In the end, I ended up getting the entire amount of the old medical bills garnished from my paycheck. I responded to the legal correspondences that I received, writing detailed letters about the situation to both the collection lawyers and to the medical center. All my letters were ignored, and a stream of legal documents proceeding down the garnishment path rolled in, some of them I got because I caught them in the mail and opened them, most of them I never saw until later because they were addressed to my wife, and she opened them and ignored/tossed them. Do I have any recourse ? I don't feel that they should have been able to take money from me to pay for this. I am not financially obligated for these children (I have my own that I pay support and other financial obligations for). My wife has no income, which is why her and her kids had MA before, and after, we married. Is there some sort of "injured spouse" recourse available to me ? Thanks in advance
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The amount of $$ involved in my situation is small enough to effectively preclude lawyer involvement, yet is large enough that I feel compelled to ask about any recourse I may have... I am married to a woman who had two children from a previous marriage. Both children were covered under their biological father's medical insurance, and additionally had Medical Assistance due to my wife's lack of income. I did not adopt either child. When the second child, Travis, was around 16-17 years old, he got into some legal trouble and quit school. A seperate Medical Assistance account was started for him due to placement in a juvenile corrections facility. When he was finished with that program, my wife re-applied for Medical Assistance for him, which she had difficulty getting nailed down due to the fact that Travis would not go back to school. Somewhere along the line Travis's original Medical Assistance account was re-instated. After Travis turned 18, I started receiving collection correspondence on a number of old medical bills for Travis. When I tried to work with the medical center and social services, I met resistance because Travis was no longer a minor. For various reasons I need not go into, I also couldn't get my wife to deal with the situation. In the end, I ended up getting the entire amount of the old medical bills garnished from my paycheck. I responded to the legal correspondences that I received, writing detailed letters about the situation to both the collection lawyers and to the medical center. All my letters were ignored, and a stream of legal documents proceeding down the garnishment path rolled in, some of them I got because I caught them in the mail and opened them, most of them I never saw until later because they were addressed to my wife, and she opened them and ignored/tossed them. Do I have any recourse ? I don't feel that they should have been able to take money from me to pay for this. I am not financially obligated for these children (I have my own that I pay support and other financial obligations for). My wife has no income, which is why her and her kids had MA before, and after, we married. Is there some sort of "injured spouse" recourse available to me ?
If garnishment has occurred, that means there was a court judgment, preceeded by either a trial or entry of default. That lawsuit was your opportunity to prove that you were not obligated to pay the alleged debt. If you defended and lost, and then either appealed and lost or didn't appeal, then it's over, and there is no further recourse. If you knew about the lawsuit and didn't defend and a default judgment was entered, then it's over and there is no further recourse. If you didn't know about the lawsuit because your wife received service of process and didn't tell you, then it's possible that you can get the judgment set asside. The way to find out is file a motion to set asside the judgment in the court which issued the judgment. If neither you nor your wife was served with notice of the lawsuit, then you should win on the motion to set asside the judgment. McGyver
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McGyver wrote:
If garnishment has occurred, that means there was a court judgment, preceeded by either a trial or entry of default. That lawsuit was your opportunity to prove that you were not obligated to pay the alleged debt. If you defended and lost, and then either appealed and lost or didn't appeal, then it's over, and there is no further recourse. If you knew about the lawsuit and didn't defend and a default judgment was entered, then it's over and there is no further recourse. If you didn't know about the lawsuit because your wife received service of process and didn't tell you, then it's possible that you can get the judgment set asside. The way to find out is file a motion to set asside the judgment in the court which issued the judgment. If neither you nor your wife was served with notice of the lawsuit, then you should win on the motion to set asside the judgment.
Thanks for your input - I proceeded to look into some of this, and it turns out that my wife was served, and a default resulted from her not doing anything. I also found out that the judgement was specifically against her, and my account being garnished was a side-affect of her name being on the account. So, the issue becomes less about the court proceedings and more about "joint ownership" and possibly "joint accountability". Since the judgement was against her and not me, shouldn't assets that others (i.e. me) have a claim to be exempt from garnishment ? For instance, could they take her car if the bank has interest in it ? As a related issue, if she is found in default, does that mean that I am as well, just by being married to her ? Also, what about credit reporting - is there any recourse that I have for minimizing the impact of her default on my credit ?
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McGyver wrote: Thanks for your input - I proceeded to look into some of this, and it turns out that my wife was served, and a default resulted from her not doing anything. I also found out that the
judgement
was specifically against her, and my account being garnished was a side-affect of her name being on the account. So, the issue becomes less about the court proceedings and more about "joint ownership" and possibly "joint accountability". Since the judgement was against her and not me, shouldn't assets that
others
(i.e. me) have a claim to be exempt from garnishment ? For
instance,
could they take her car if the bank has interest in it ? As a related issue, if she is found in default, does that mean that I am as well, just by being married to her ? Also, what about credit reporting - is there any recourse that I have for minimizing the impact of her default on my credit ?
If the judgment was issued against her and not you, then the garnishment was not proper. It may be that there is a judgment against you too. The way to find out is to go to the sheriff's office and complain about the garnishment. If there is a judgment against you, they will show it to you. If not, fill out whatever form they have for challenging the garnishment. If they have no such procedure, file a motion with the court to have the garnishment barred. I don't know how to do that in your jurisdiction, so you'll have to find out. McGyver
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Ah, thank you - off to the sheriff's office I go...
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