“Karen” had surgery at an area hospital. Only 22 and in a minimum wage job, she was still covered by her mother’s insurance. After the surgery, the hospital failed to file an insurance claim or contact Karen or her mother about the bill. Karen only discovered the problem when the hospital sued her for payment of $11,000. At that point, her mother contacted the insurance company, which told her it was too late to file a claim. Karen faced years of wage garnishment if forced to pay this alleged debt.

Karen’s mom talked to the hospital’s attorney to address the issue and sent him a formal response document. However, not being an attorney, she did not realize she also had to file her “Answer” with the court. By the time the VLP got involved, the hospital had filed a motion for default judgement. Thankfully, due to attorney Brian Pokrywka’s efforts, the hospital dismissed all claims, with prejudice.

“Ms. Smith” is a single mother trying to raise two teenage daughters. She is also a veteran having served in the military from 1979-1982. Ms. Smith has since become disabled. She and her girls were trying to get by on disability income alone. Ms. Smith was unable to keep up with her bills. Consequently, she was not able to obtain utility services. Ms. Smith was seeking a fresh start to provide a home for her family when she same to Legal Aid and the VLP for assistance. The VLP secured a private attorney to take Ms. Smith’s case and file a Chapter 7 Bankruptcy. The VLP attorney was able to secure a discharge of all Ms. Smith’s debt. After the bankruptcy, Ms. Smith reports she is able to take care of her girls. “I am very grateful to my attorney,” she said. “She was extremely helpful, kind and professional.”