do I need a lawyer? cannot afford
will I get a jail sentence?
I am an alcoholic and sick much of the time, work irregular
First off, I recommend that you seek the advice of an experienced bankruptcy attorney in your area prior to taking any action.
When an unsecured creditor in California receives a Judgment after filing a lawsuit, the creditor is able to: 1) garnish wages up to 25% of your net income, 2) levy bank accounts, 3) put liens against a property. You should seek the advice of a Bankruptcy attorney in your area to see if the creditor is able to pursue these avenues of recovery. You cannot go to jail for not paying your unsecured debts.
It sounds like you are "judgment proof" meaning that the creditor isn't able to do anything to you since you are not working, have no income, and have no properties. If you want the debt off your back, you can file for bankruptcy to eliminate that debt. Medical bills are unsecured debts that will be discharged in a Chapter 7 Bankruptcy. Consult a bankruptcy attorney to see if bankruptcy is a good fit for you.
Best of luck to you!
Jonathan Panossian, Esq.
Law Office of Jonathan Panossian, A PC
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