Legal Question in Credit and Debt Law in Pennsylvania

This question makes no sense as written. Lots more information is required. When was medical treatment rendered? What efforts if any have been made to repay the debt? Or apply for charity care? Was the care rendered to you or a spouse? Why are you not able to pay? Has it been 4 or more years since the last payment (if any was made) or the bill issued? Are you eligible for Medicaid?

A hospital is like any other creditor. If money is owed, then the hospital can sue for payment. If they recover a judgment, then a judgment becomes a lien on any real or personal property that is owed. Depends on if the property is owned free and clear or mortgaged. There is no exemption for real property in PA when it comes to judgments. However, there would be an exemption if bankruptcy is filed. If medical bill was 6 figures in size, then you need to think about a way to deal with it before it becomes a lien on the property. You may want to consult a bankruptcy attorney about this.

I agree with Ms. Hunter that medical providers are indeed like any other creditor when it comes to a debt you owe. They can sue, but often don't. Given the size of the debt, it is possible they will sue. If they sue, you can defend any such suit and of course should discuss any defense with an attorney. If they sue you and win, a judgment is entered which will become a lien on any real property owned by that debtor in the county where the judgment is entered or transferred. If the house is owned by you and your spouse, a lien would not attach, unless they sued your spouse as well. If you are not married, the property will not be exempt at all, but for approximately a $22,000.00 federal bankruptcy exemption.

As you can see, there are many issues and you should speak to counsel in real time to obtain more complete advice on your options. If you are in my geographical area, feel free to call or e-mail me on a free initial basis.