Civil procedure; medical debts; civil actions; default judgments; procedures; effective date.

This Oklahoma law requires creditors and debt collectors suing over medical bills to provide specific details to the court before a default judgment is entered against a consumer. To proceed with such a lawsuit, the plaintiff must file a redacted itemization of the charges and proof that they have complied with state and federal hospital price transparency rules. Additionally, the bill mandates that the court receive evidence showing the original account number, the name of the original creditor, a full breakdown of the debt including interest and fees, and the date of the last payment or transaction. These provisions take effect on November 1, 2024, aiming to ensure that medical debt collections are supported by clear documentation and transparency prior to legal action.