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SUBJECT: Need advice on medical debt from a surgery four years ago

Dear Sir/Madam,

I am reaching out for guidance regarding a medical debt I recently discovered amounting to $6k. This debt dates back to a surgery that I underwent four years ago in Washington state. However, I am uncertain whether this debt actually belongs to me.

At the time of the surgery, I was a college student with no source of income. I was covered by insurance through my college, and all the bills were addressed to my father, who listed me as a dependent on his tax returns. Unfortunately, my father was battling terminal cancer and was unable to pay for the surgery. Since the bills were sent to him and not to me, I was unaware of the non-payment. Tragically, my father passed away without leaving behind an estate or an executor six months later.

Recently, a debt collection agency in TX has come after me for the $6k medical debt. It came to my attention only now as they had been sending collection letters to an address where I never resided.

I am seeking advice on the matter. Do I bear the responsibility of this debt, or does it belong to my deceased father? What are my options moving forward?

I currently reside in MA and would appreciate any assistance you can provide.

Thank you for your attention to this matter.

Sincerely,
[Your Name]

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