§ 193.Required Information For Civil Action to Collect Medical Debt
Chapter 6: Commencement of Actions · Last amended November 1, 2024 · Last verified August 3, 2026
In one sentenceSection 193 requires anyone suing to collect a medical debt to attach an itemization of the charges and proof of compliance with hospital price transparency laws, and to file detailed account records before a court can enter a default judgment.
A.For purposes of this section, "hospital price transparency laws" means:
1.Section 2718(e) of the Public Health Service Act, 42 U.S.C., Section300gg-18, as amended, and rules adopted by the United States Department of Health and Human Services implementing Section 2718(e); and
2.The Transparency in Health Care Prices Act, Section 1-725.1 et seq. of Title 63 of the Oklahoma Statutes.
B.A creditor or debt collector or collection agency operating on behalf of a creditor that files a civil action for recovery of a medical debt shall attach to the petition or applicable form:
1.A copy of redacted itemization of the charges that are the basis for the medical debt; and
2.Proof of compliance with hospital price transparency laws.
C.Prior to entry of a default judgment against a consumer in a civil action on a medical debt, in addition to compliance with the applicable rules of the district court for entry of a default judgment, the plaintiff shall file with the court evidence that establishes the amount and nature of the medical debt and includes:
3.The amount due at charge-off or, if the balance has not been charged off, an itemization of the amount claimed to be owed including the principal, interest, fees, and other charges or reductions from payment made or other credits;
4.An itemization of post charge-off additions, if any;
5.The date of the last payment, if applicable, or the date of the last transaction; and
6.Proof of compliance with hospital price transparency laws.
Amendment History
Added by Laws 2024, c. 318, s. 1, eff. 11/1/2024.
Plain-English Summary
Before a creditor, debt collector, or collection agency can sue to collect a medical debt in Oklahoma, Section 193 requires paperwork most other debt-collection suits don't demand. The petition or applicable form must come with a redacted itemization of the charges behind the debt, plus proof that the underlying charges comply with federal hospital price transparency rules under the Public Health Service Act and Oklahoma's own Transparency in Health Care Prices Act.
Getting a default judgment takes even more. Beyond following the district court's usual default-judgment rules, the plaintiff must file evidence establishing the debt's amount and nature: the original account number and creditor at charge-off, the amount due at charge-off (or a full itemization if the debt was never charged off), any additions made after charge-off, the date of the last payment or transaction, and, again, proof of price-transparency compliance.
Frequently Asked Questions
What has to be attached to a lawsuit to collect a medical debt in Oklahoma?
A redacted itemization of the charges behind the debt and proof of compliance with federal and state hospital price transparency laws.
What extra proof does a plaintiff need before winning a default judgment on a medical debt?
Evidence covering the account number and creditor at charge-off, the amount owed or a full itemization if the debt was never charged off, any post-charge-off additions, the date of the last payment or transaction, and price-transparency compliance.
Does Section 193 apply to any consumer debt lawsuit?
No, it applies specifically to civil actions to recover a medical debt.
What are the hospital price transparency laws this statute refers to?
Section 2718(e) of the federal Public Health Service Act and its implementing rules, along with Oklahoma's Transparency in Health Care Prices Act.
Source & verification. Section text is reproduced verbatim from
Title 12 of the Oklahoma Statutes, enacted by the Oklahoma Legislature.
Last verified August 3, 2026.
· Official source
Also known as:oklahoma medical debt collection lawsuit requirementsmedical debt default judgment evidence oklahomahospital price transparency lawsuit requirementsuing to collect medical debt oklahoma