Sarah Lynn Ruffi's answer It depends what details are included in your billing policy. Presumably, your patients would be individual so the transactions would be covered by the Wisconsin Consumer Law, which imposes limits on what a consumer can be charged. For example, you cannot charge reasonable attorney fees to collect a consumer debt. You should have your billing policy reviewed by an attorney to make sure that you are not violating the Wisconsin Consumer Law.
Nathan DeLadurantey's answer Most likely, no. That's because 6 years after default (assuming they don't have a judgment and you didn't make any partial payments) the debt can no longer be collected. Find a consumer lawyer and get a free consultation to better understand your rights.
Nathan DeLadurantey's answer That's an issue of "hot debate" in the legal community these days. I would recommend talking with a lawyer in Wisconsin that handles "consumer law" issues or debt collection issues. I'm sure they'd be happy to take a look at the collection letter with you. Depending on what the letter says, or how it's detailed, it may be a violation of a federal law for them to charge the interest that way.
Nathan DeLadurantey's answer Sounds like you need to utilize something called "chapter 128" that's available to individuals in Wisconsin. You do need to be employed to file; so I"m not sure if you have any employment income in addition to your disability. Here's an article about how a Chapter 128 works: http://www.huffingtonpost.com/entry/live-in-wisconsin-and-in-debt-chapter-128-is-your_us_58f4fcb7e4b015669722516d
Nathan DeLadurantey's answer You'd need to offer a few more details - are you talking about the funds in your checking account? Regardless of the source, you have a balance of $5,000 (based on the state statutes) that's protected from garnishment.
Nathan DeLadurantey's answer Are they sending the bill to you? Sounds like you need to locate a Wisconsin consumer law lawyer to review the letter for you. They shouldn't charge you anything to review the letter, explain your rights, and give you some advice.
David B. Levin's answer The amount that can be withheld from your paycheck to satisfy a judgment is set by state and federal law. Although there are some exceptions, in Wisconsin that limit is typically 20% of your disposable income. You may want to talk with a bankruptcy attorney about whether Chapter 7 might be a good solution for you. Depending on the amount of the debt, your other debts and your income, you may find that bankruptcy provides the relief that you need--the automatic stay that takes place in most...
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