AFM - I'm very upset!

In April, my husband fell out of the attic of the house while checking on why the ceiling was bowing in everytime the roofers put down shingles. The homemade ladder that someone had made to get up there kicked out from underneath him and he landed on the ladder (wooden 2x6's) and then the garage floor. We called 911 because his bum and legs were going numb. He doesn't have health insurance. So, the hospital bill was close to $5000. We filed a claim against the church's insurance policy to see if they would cover the fall since it was on church property (we live in the parsonage) and it was due to the ladder being faulty. They sent someone to take a statement and look at the ladder. Of course they took their time. While we were waiting for the insurance to make up their mind, the bill was sent to collections.

So, a woman from the collection agency called me to varify address, and I told her the situation and told her we would start making payments the next month. She said that was fine. But before I could get the payment out the next month, we were served papers that we were being sued by the collection agency.


Of course I sent a letter of defense explaining the situation, and I also went ahead and sent the payment. However, it was not $5000 - don't have that laying around, in fact that is more than 1/5 of our yearly income.
Well, I just received a hearing date and it is the same day of my ductogram.
So, I called the collection agency to see if they would take it out of litigation since I was making payments, and that I would be willing to set up a payment arrangement. She told me that they don't make formal payment arrangements. If the balance isn't immediately paid in full they always litigate.

And that if/when judgment is made against us they will garnish our wages (good luck getting mine, I don't have wages...).
Lovely....

So, I'm praying that God intervenes on our behalf, and that the court will reschedule. I cannot reschedule the ductogram because a doctor has to come from 150 miles away to do the procedure. He only comes at certain times.
Sorry this is so long. I'm just frustrated and don't know what to do. If they garnish DH's wages, how are we supposed to live?
Sigh...... sorry, I just don't have anyone to really talk to about this. DH just said that we will have to just have our wages garnished and do the best we can. He's probably having a better attitude about this than I am. I'm just so frustrated and embarrassed. If his wages are garnished, of course the whole Church Board will know, and they will 'talk' to others. And we will have to explain our personal business, and the whole town will end up knowing our personal business.....

I hate that.
Okay, I'm off to make my family supper and get myself in a better mood. Sorry I just dumped and ran.