Can they take my car for ganisment?

Question

I just want to thank all who have answered me, I think I have a clear picture of what I need to do and I am not so threatend about them taking my car, I would never sell this car, it is a gem, only 58 thousand miles on it, I am 61 years old and plan to drive it till it dies, I most definately am going to fight them to the death, because noone ever contacted me and the total of the medical bills is about 1300 , one is an er charge for 675, which I paid the 50 co-pay, it is a sad thing in this country when even if you do have medical ins you never know what you really have or if they will pay, I was in a car accident so the er trip was not bogus. I hate ins companies and I hate that a medical instituation is trying to take what little I have, I called the atty and I wrote the atty to no avail, so when the dust settles, I will have my friend who is an atty deal with them , thank all of you so much!!!!!!

Answer 1

They can ONLY take the car if you used it as collateral. If you did, they would be obligated to sell it and (possibly) give you any monies in excess of the outstanding bill.

The MOST they can legally do is to garnish your wages/income.

Presuming you are employed, make an appointment to speak to the HR rep that deals with the Employee Benefits Plan. Explain to him/her what is happening, and find-out if you (were) covered for the situation.

If you are not part of an Employer sponsored plan (i.e.: the insurance is private and paid for by yourself for only yourself), contact the agent that sold you the policy and sit down with him/her to find-out if you (were) covered.

In any case, you have to find-out immediately *why* they did not cover the cost as they were supposed to. If they decided that an "old man of 61" does not medically need the intervention received, "because he's too old, and it would be better suited for someone younger," you can sue for age discrimination.

In the mean time, make arrangements with the Hospital to begin paying the debt, with the understanding that if/when the insurance company finally pays the account, you will be reimbursed all monies paid towards the bill paid by yourself.

Answer 2

First, they cannot take your car, however they can place a lien on it. They can garnish any income you have if you are working, but that garnishment will be a small amount because they cannot just wipe you out if you have other bills such as house payments or utility bills etc.

Answer 3

They can't take your whole car for just $1300 in bills owed. I'm sure your car is worth more than that.