Is there any provisions for a bankrupt to get discharged under medical grounds?

Question

Is there any provisions for a bankrupt to get discharged under medical grounds? My father took a hire purchase car loan under my name and defaulted payment. Becuase of 1997 resession, i was jobless. Finance company repossess the car and sold in auction to recover back whatever they can. They told me I still owed them for the balance loan and declared me a bankrupt. Now I got a medical problem. I need to go for an eye operation. I am jobless because I am a backrupt. My parents getting old. My mom working as a maid supporting me. I wrote to the finance company to strick out my name because of medical grounds. The finance company refuse to entertain still asking me to pay whatever I owe them? In this situation how can I pay when I am jobless, losing eyesight and living with emotional problems? I wanted to speak to the top guys in the finance company to explian my plight my the staff not allowing me to see anyone? What can I do in this situation? Is there any advice or help I can get ?

Answer 1

Most states have a ten year statute of limitations and they cannot collect unless they have a judgment within ten years. You are required to engage in good faith negotiations to pay. If you are jobless and without resources, then provide proof of this. There is no reason to believe you after all. If this goes to a local court, it may only grant them a partial judgment if you can prove a complete lack of capacity to pay. It is likely they are trying to prevent losing everything by hitting the ten year anniversary of the last payment.