Moved to Texas left medical debt in Oklahoma

by Barb
(McKinney TX)

I am 52 widowed, unemployed, currently living with my daughter in texas, left medical debt back in oklahoma, my only income is 255 dollars a month from my late husband's pension, I do own 2 car
and have a little money in the bank, I cannot afford to pay this medical debt. Can they take my cars? Can they take money from my bank account? Of course I am now in another state no longer living in oklahoma... thank you in advance for answering my questions..... 1 more thing can oklahoma put a warrant out for me for nonpayment of medical debt?

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May 16, 2011
Moved to Texas left medical debt in Oklahoma

Hi Barb:

If the medical provider to whom you owe the debt decides to sue you for the money you owe and wins the lawsuit, it is legally entitled to go after the money in your bank account (up to a certain amount) or try to take one of your vehicles. It is more likely to sue you if the amount that you owe is substantial than if you owe a very small amount of money. However, the provider is not legally entitled to have the court issue a warrant for your arrest, because you cannot be arrested simply because you owe money to a creditor.

You have a couple options for resolving your problem. First, can your daughter help you pay what you owe to the medical provider so that you can avoid a lawsuit? If she can, you may want to contact the provider and see if it would accept less than the full balance due on your medical bill. It might be agreeable to that arrangement because it would mean that the provider could avoid the cost and hassle of a lawsuit. If the medical provider agrees to let you settle your debt for less than you owe, do not make any payments to the provider until you have the terms of the agreement in writing.

Another option may be to sell one of your two vehicles and apply the sales proceeds to your medical debt. I have no idea if the proceeds would make much of a dent in what you owe, but it's something to consider. It might be an especially good idea if the medical provider is open to letting you settle your debt, but wants you to pay more than what you have offered as a settlement amount. The money from the sale could make the difference between your being able to settle or not.

Another possibility is for you to file for bankruptcy, which would probably wipe out your medical debt. However, I am not a bankruptcy attorney so I cannot tell you if bankruptcy is a good option for you. If you would like to find out whether it is, click here a consultation with a bankruptcy attorney.

Good luck resolving your problem!

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