It's against the law in this country for a hospital to kick someone out, who clearly needs care. if he's unresponsive, the worst they could do (assuming they're horrible people but law abiding)
is transfer him to a step down facility. They will NOT tell her that he'll die/be kicked out/ or not treated, b/c she cannot pay. That's been illegal for decades.
I'm not sure why more is not known about his medical condition, but if she is his wife (not common law) and if there are no adult children disagreeing, then she can make the decisions she believes he would make, on his behalf.
She's his next of kin. A will is a document that distributes his property upon death, so it's not really relevant to what's going on while he's alive. A living will - which is lacking here, is about his health care. But again, she can decide for him as his next of kin.
(There are a few exceptions to that, but they go beyond the scope of this post).
*IF he dies, all of his personal loans die with him. His Credit cards, school loans, etc. all go away if he dies. Not saying that's good, but she should not bother paying off his personal loans, especially while he's in the hospital.
Since her credit is shot anyhow, I'd prioritize based on what HER debt is, and secured debt gets paid before unsecured debt and here is how to tell. " secured debt which is something a creditor can grab.
Car loans are secured debt, so if you fail to pay it, your car can be repossessed and the creditor has 'secured' his debt.
Mortgages are secured debt, but from a practical standpoint, repossessing a home is harder for the creditor than just grabbing a car (repossessing). Credit cards are not secured debt but they can be canceled.
Medical bills are not secured debt.
I'm so sorry she is in the situation and that you are trying to shoulder this. You're a good sister.
I hope she can keep working as an RN and I really hope she keeps going to Al Anon.
Not sure why she thinks they are all telling her to divorce him if he's in the hospital now, so maybe that's all she hears...b/c in reality maybe they are making concrete suggestions and she's too overwhelmed.
Let's touch base soon
((( )))
M: 57 H: 60 M: 35 yrs S30,D28,D19 H off to Alaska 2006 Recon 7/07- 8/08 *2016* X = "ALASKA 2.0" GROUND HOG DAY I File D 10/16 OW DIV 2/26/2018 X marries OW 5/2016
