<prompt> Human: Hi everyone I am trying to help out my familys housekeeper. She was hit by a car on her bike about a year ago. She has roughly 4000-5000 in medical expenses. She barely speaks English and I am trying to help her navigate through this. Her main concern right not is her credit getting hurt because she is trying to send her sons through college with financial aide and needs good credit. The lawyers she hired have yet to get a single dime from the person who hit herAllState. She cannot afford to pay the medical debt and she is receiving several final warnings from the hospitals. What should she do? She has no medical insurance. Should she take out a loan to pay off her medical expenses or find new lawyers to get her the money she needs? I am going to try and call her lawyers to get some better answers but any information from you guys will help.  <response>: Was there a police report on the accident? Has Allstate accepted liability? The attorney should be able to negotiate a payment plan or lump sum to be paid when the case settles. If Allstate hasnt paid the bills there is a reason, its very rare that they just forgot about the claim. Do not go with personal loans, the interest will eat her up. If she is willing, have her give Allstate and the attorney authorization to speak with you on her case and contact both directly to see whats going on. 