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Response to madrchsod (Reply #30)

Sat Apr 21, 2012, 03:33 PM

40. We have a WINNER!!! You got it exactly right!

The arrest is based on a "Contempt of Court" citation for either missing a court date OR for failure to make court ordered payments. This is not about skipping a payment on your hospital bill or your check to the doctor bounced. This happens when a debtor has been found liable for payment on a debt, the court sets up a payment arrangement, and that arrangement is ignored or the agreement is violated in some way.

Now, before anybody gets all het up, understand, I am NOT saying it is right, I'm just saying that "body attachments" are used more commonly than you might think.

What a lot of people don't realize about medical collections is that a lot of hospitals will turn you over to collections within a very short time of you getting out of the hospital if you don't have insurance. If you have insurance, then you got some time because they are haggling with your insurance company at that point. Once your insurance company pays as much as they are willing, THEN you get sent to collections. The collection agency immediately calls you up and starts to lean on you because they don't make any money until they collect it. They can make money off suing you because a lot of times they can get a percentage of the court costs. They have zero incentive to work with you on that debt, and in fact, have a real interest in getting you into the court system as fast as possible.

They sue you and you go to court. If you are like a lot of folks you are gonna walk in there alone--pro se. You are gonna be standing in front of a judge by yourself, against a lawyer that has most likely been in front of that same judge all day doing this same type of hearing over and over. A lot of folks will end up pressured into payment plans in that situation, and (THIS is the important part!) BECAUSE it is a part of the court order, if you miss a payment you can get hauled into jail. Remember how the collection agency can get a percentage of court costs? Well, miss payment and it becomes another opportunity for them to have another payday...

Illinois collection laws are not pretty at all, but from what I understand this is a fairly common practice across the US.


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myrna minx Apr 2012 OP
Liberal_in_LA Apr 2012 #1
Little Star Apr 2012 #2
dixiegrrrrl Apr 2012 #18
saras Apr 2012 #22
bhikkhu Apr 2012 #31
happyslug Apr 2012 #38
bhikkhu Apr 2012 #48
stevenleser Apr 2012 #36
earth trine Apr 2012 #34
Egalitarian Thug Apr 2012 #3
BlueJazz Apr 2012 #4
myrna minx Apr 2012 #5
closeupready Apr 2012 #8
Justice wanted Apr 2012 #6
cali Apr 2012 #11
happyslug Apr 2012 #39
Post removed Apr 2012 #14
provis99 Apr 2012 #17
greytdemocrat Apr 2012 #43
McCamy Taylor Apr 2012 #7
truedelphi Apr 2012 #9
xtraxritical Apr 2012 #44
SDjack Apr 2012 #10
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tooeyeten Apr 2012 #15
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midnight Apr 2012 #21
RebelOne Apr 2012 #23
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daligirl519 Apr 2012 #25
fasttense Apr 2012 #27
JCMach1 Apr 2012 #50
xchrom Apr 2012 #28
shimonitanegi Apr 2012 #29
madrchsod Apr 2012 #30
LineLineReply We have a WINNER!!! You got it exactly right!
davsand Apr 2012 #40
NNN0LHI Apr 2012 #45
davsand Apr 2012 #47
napoleon_in_rags Apr 2012 #32
2QT2BSTR8 Apr 2012 #35
happyslug Apr 2012 #42
truedelphi Apr 2012 #49
upi402 Apr 2012 #51
vaberella Apr 2012 #41
slackmaster Apr 2012 #52
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