Wilson's answer is very good. The only thing I'll add is Sallie Mae has to prove its case against you. This is a private student loan so there is a statue of limitations. Often we see private student loan lawsuits are filed outside the statute of limitations.
But if you default -- don't answer -- then Sallie Mae will win even if you don't owe the debt or even if it was too late for Sallie Mae to sue on.
Beyond the statute of limitations Sallie Mae must prove it owns the debt.
As indicated in the other answers, the general rule is when a family member (or anyone else) is on a bank account with you, then that other person owns the money also. This can be helpful when we need a family member to be able to access the money (although a power of attorney will work also) but it is a problem when that family member has a judgment against them.
Who received the judgment against your son?
What kind of money is in your bank account? Is it social security money? If so,...
The other responses are good responses -- you have rights under the Fair Debt Collection Practices Act (FDCPA) and you need to be aware of the large number of scams related to cash advance/pay day loan type collections.
This sounds so simple but this gets rid of 99% of the bogus collectors -- tell them you know there are a lot of scams and you want a real letter with a real stamp on it sent to you. They will say they can't do this -- they only can email or fax -- but insist on a real letter....
Read Ron's answer again -- he is correct.
You have a very limited time to answer -- I suspect you have been sued in Small Claims court or District court which only allows 14 days to answer.
If you don't answer, you will lose (default judgment).
Go ahead and get with a consumer lawyer as soon as you can to find out what your options are....
John G. Watts
To get a lien, a judgment must be entered against you.
To enter a judgment, the medical providers must win their case against you.
To win their case against you, they have to sue you first.
My point is you will have, most likely, plenty of time to try to work out these issues with them. Generally the medical bills are way over priced -- much more than the medical providers take from Blue Cross which requires medical providers to accept the "UCR" -- usual, customary, and reasonable...
I'm not sure what you are asking here. Are you a patient who has been treated by this doctor? Are you upset because you could not get your prescriptions filled and this caused problems?
It doesn't sound like you would have any liability but more information is needed.
As others have mentioned, you don't have to make contact to be liable. For example, imagine an 18 wheeler swerving into your lane and forcing you off the road. No contact but probably liability for the trucking company and driver.
If you do get contacted about this wreck, make sure and let your insurance company know and they should be able to defend you if you get sued.
I doubt anything will come of...
Pay particular attention to what Wilson Webb said. Certain types of debts are easier to defend than others in Alabama and sometimes it is possible to defend against the lawsuits and win them. There may be no need for bankruptcy.
Particulalry if the collectors you are dealing with are violating the law, including the Fair Debt Collection Practices Act (FDCPA). They often do....
Who is suing you? The medical provider or a debt collector (debt buyer)? That makes a huge difference,...
Sorry for his injury and you should sit down with a personal injury lawyer to evaluate your options.
But just from what I gather happened from your question, I doubt you will be successful in suing the skating center.
You will need to have a legal theory such as negligence.
What did the skating center do wrong? Did an employee knock your husband down? Was the floor defective? Was there horseplay going on that was inappropriate that the skating center knew about?
If it is just...
You have to show the doctor was negligent -- that he committed malpractice.
Hard to do here in Alabama.
If you could show that, then it is very expensive to pursue the case as we have to get a doctor to testify that your doctor was negligent. Almost never can get an Alabama doctor to testify against another Alabama doctor.
Bottom line is I think you will have a hard time finding a good malpractice lawyer to take your case. My firm only looks at malpractice cases if there is a death...