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If you believe a hospital lien has been filed against you after you were hurt in an accident, you can check for a lien on your local county clerk's website.

What Is a Hospital Lien? Liens allow hospitals that provide emergency care to uninsured patients to claim a portion of any legal award that the patient might receive for the accident.A lien is typically sent as a notice to the person who received treatment.

Medical debt does not affect your credit score unless it's reported to a credit bureau, and virtually no hospital or medical provider will report the debt directly, according to the National Consumer Law Center (NCLC). However, they might turn it over to a collection agency, which might report it.

What Treatment Does a Hospital Lien Cover? A hospital lien covers the first 100 days of emergency medical care provided by the initial hospital or a hospital to which the patient is transferred for care. The amount covered is only the reasonable and necessary charges for the servicesit cannot exceed a reasonable rate.

A medical lien is a demand for repayment that can be placed against your personal injury case. When personal injury lawsuits are filed, the amount of money you have spent and could spend on your treatment is always taken into account.

Please rest assured that the lien does not affect your credit rating and by law the lien cannot be used as "evidence of the patient's failure to pay a debt."

Lien work can take as long as 18 months to be resolved, and sometimes it may not be resolved at all. So long as the doctor is aware of those risks, there are great benefits to be had by both parties.

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