We are responsible for this bill and will undoubtedly have to pay at least the emergency room portion. She has no savings, no car, no real estate, shares a joint checking account with me and her job pay barely over minimum wage so my concern is that they will garnish her wages-something she cannot afford at this time. We are willing to pay this bill but, as is obvious, we will need them to work with us. This collection agency has a reputation as being merciless and, as we (she) is responsible for the bill I see no recourse. Can anyone offer any advice or strategy to avoid wage garnishment and arrive at a working compromise?