My question involves collection proceedings in the State of: Alabama
I got a pre-collections letter regarding my $30K+ hospital bill yesterday. I have already discussed this bill with the hospital and they are not willing to negotiate with me. I am making payments on all the rest of my medical bills involving this emergency surgery I had to have. I want to know what is the average time period I have until I actually get sued over this. 3 months? 6? 12? Also, I've heard if they get a default judgment against me, I'll have to declare my assets at the time, but they may not collect till up to a year later. Any cash I declare I have would be long gone by then. I know I'm supposed to be truthful, but what to do in that case?

