I’m disabled, and collect Social Security benefits. Two years ago, I was a passenger in a vehicle that was totaled when the driver lost control and slammed into a pole. I live in MA and the accident happened in MA, but the vehicle was registered and insured in CA.
Because of a loophole in PIP law, the California insurance company hasn’t paid my medical bills, or even bothered to send a written statement of denial, so my own health insurance (Mass Health) which covered me at the time, and still covers me, cannot be billed. The hospital sued me a few months ago, and the court found in favor of the plantiff.
Now, I understand that I am essentially judgement proof, in that I have no income or assets that can be attached. I still have to go to court every other month for payment reviews, which is a hardship due to my disability. Would filing bankrupcy free me from this once and for all?
That certainly sounds like a reasonable application of the protections afforded to you under bankruptcy. And certainly a reason why some people pursue bankruptcy to break the chain of events.
If you think you may be eligible for public aid assistance, use this Bankruptcy Pro Bono Help Locator to find possible help near you.
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