My husband is being sued by a urologists clinic over the $1800 bill accrued by his vasectomy. We expressed concern at the time that we didn't know if either Our regular insurance or his disability based Medicare would cover the bill. They brushed off our concerns at the time. And assured us good faith payments would keep us out of collections. We missed one month, my husband had been ill, and our check short. The next month we were in collections, and couldn't afford the payment plan offered. They are now sueing. My husband has End Stage Renal Disease, and is still the breadwinner of our household. We are even now trying to figure out how we would survive when he has to take 6 weeks off for a surgery. If they garnish his wages, his employer will use that as grounds for termination. He will be unemployed, and we will quickly end up on the streets. Other than this lawsuit his credit is good. Not great, but good. We've never been late for or missed a car payment, rent payment, or credit card payment. And as we pay down the car, his credit steadily improves. We've worked very hard at getting him decent credit, and want to avoid bankruptcy. Is there anything at all else we can do?