Can a debt collector take my car with a lien on it over unpaid medical bills?

No, they're not authorized to do so but the medical bills will remain on your credit for 2-7 years but they just passed a law starting in the first half of 2023, Equifax, Experian and TransUnion will no longer include medical debt in collections under $500 on credit reports

FYI if you pay your medical bills it will restart the clock if not it will fall off your credit after 2-7 years

First off, I'm sorry that you had to undergo cancer surgery, and we will be praying for a good result from that. You might to call a financial planner to help you through this rough spot, especially with the added concern of your medical procedures. Moneywise.org is a good one. You can send them a question at questions@moneywise.org. There is no charge a simple Q&A as far as I know.

Any company that has lent you money would rather have you pay interest rather than go to the hassle of selling off your property at an auction to recoup some of the loss on your account. So, that works IN your favor to keep the car, but AGAINST you since they will likely raise your interest rate in a market that already has increasing rates due to the Fed!

Whether you bought your car on time, with a loan or a promissory note, that loan is secured by the value of the car (collateral). They can most likely be able to take it, but would rather re-negotiate a loan plan with you rather than fuss around. Do NOT ignore them. Tell them you want to work something out and take it from there.

Your last resort would be to go to a "debt consolidation" agency. They help to negotiate down the repayments with all your debtors, give them a somewhat reduced lump sum to clear your account, but then they create a new loan for you to pay back the agency.

Contact your lender and explain the situation. Most lenders are understanding if you communicate with them and will call off a repossession. But yes, they can repossess the vehicle legally.

They don't have a lien on your car. The one who financed it does. Don't ever communicate with a debt collector. If they sue it is cheaper to hire an attorney who will represent you and have the case go away.

1) No, they can’t take your car. Only the bank which has the lien on your car will attempt to take it. They will generally only do so if you get 60 days past due. At 90 days, they’re sending a tow truck.

2) Debt collectors, or even your auto loan co/bank wants late payments resolved. Generally they’ll work with you. Just be honest and stick whatever plan is agreed. Depending on the company or circumstances, they may not even ding your credit.

No but they can sue you and garnish your wages. (whoever you owe money to)

Sorry for your health probs.

I'd get a free consult from a lawyer.

No, call the hospital or clinic and work out a payment plan. As long as you are communicating in good faith to work out a plan with the provider, the agency can’t do anything.

The hospital would rather have regular payments than the payment less the collections fee.

no. the best thing to do is contact them, tell them what you can afford to pay them, then consistently pay it. there's nothing they can do if you're making a good-faith effort. they should have talked you through that when you went in for surgery.

Best thing to do is contact them to work out a repayment plan otherwise they'll continue to hound you and stress you out

They can’t take your car. They can put a lien on your bank account or garnish your wages.

You need to work out a payment plan with them. Try going for a 2-year plan.

No. If I were you, I would follow "Souls" advice.

Yes
You must pay your bills a tumor is no excuse

No they cannot take your car or any of your possessions