How does the money leave the minute that it's saved?

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Well, We had close to $2,000 saved. Yes I said we "HAD". We are having to pay for 2 foot surgeries that my husband had done that were suppose to be charged off because the surgeon screwed up. He has since sold his practice and the new owners are trying to collect, actually they are collecting. With the looming probability of my husbands wages being garnished to pay this debt we do not owe, we have decided to pay this collection agency, and then proceed with legal action in the form of a malpractice suit. We pretty much had made a deal with the doctor that he wasn't going to charge us, and we weren't going to file a malpractice suit against him. Since he didn't live up to his end of the agreement, we will not be living up to ours. My husband is still having problems, and according to another doctor, he will have problems the rest of his life. We were advised not to pay this, but deep down in my gut I just feel like we should pay it and get that part over with, instead of playing roulette with this whole garnishment thing. I always like to listen to my feelings, and when I don't go by them they are always right, and I end up regretting not following them. Is anyone else like this? Anyway, so I guess it's back to trying to save up that $2,000 emergency fund for the next emergency. I won't take as long this time with our tax refund in the very near future, but it still sucks to have to hand over this much money on something that isn't owed, just the principal of it, and the fact that this is happening makes me sick!