Sometimes, you’ll see it coming and sometimes you won’t. It’s payday and either you’re being handed an old-fashioned pay check or you get an email notifying you of a direct deposit into your bank account. Either way, you do a double-take because your net pay after withholding is much less than usual.
There must be a mistake here, you think. Or you know exactly why: a creditor only recently obtained a money judgment against you for unpaid medical bills for an injury your spouse suffered last year with a massive premium you couldn’t afford to pay then or now. Continue reading