I got a "final notice" debt collection letter. Can you help me understand what it means?

I had multiple breast tumors removed, and with that, loads of bills. Well I guess I over looked one. I got a 3rd and final debt collection letter.

It says "this will be our last attempt" and that they "will reccomend other remedies." if not paid.
$124 for a community hospital visit.

What does this mean? Can they take my car away (2015 nissan sentra) ? A lawsuit? I live in New York if that helps. I can't pay that bill this month.

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Pretzel · 61-69, M

they can yell and bully

but bottom line is they can't do anything unless and untill they
sue you
get a judgement
and then deposition you to get a list of assets

they COULD take your car (assuming there is no lien on it)
and then sell it at auction

BUT

the reality is that all of that would cost much much more than the 124 bucks so the aren't going to do it.

what you can do is
demand that they cease all phone call immediately and put all future communication in writing

follow up this demand with an email to them so you can prove you demanded no phone calls.

calling you after that is a violation of federal consumer laws and I suspect new york's is even tougher.

you can also demand that they produce proof of the debt - that normally freaks them out.