SC-2026-00025 - Albedo Holdings, LLC. v. Cassidy Manning

What's This Case About?

Let’s get one thing straight: Cassidy Manning didn’t break a bone, survive a shootout, or give birth on a Greyhound bus. She went to the hospital. And now? She’s being hunted by a debt collector with a $2,174.51 price tag stapled to her forehead like she stole a kidney and sold it on the black market. That’s the wild part of this story — not that someone owes money, but that we’re here, in 2026, treating a routine medical visit like a high-stakes heist, with subpoenas instead of handcuffs and a courtroom showdown scheduled for a Tuesday morning in Coal County, Oklahoma — population: small enough that everyone probably knows someone who knows Chris Martin from the hospital.

So who are these people? On one side, you’ve got Albedo Holdings, LLC — a name so generic it sounds like a tax shelter disguised as a tech startup. They’re not doctors. They don’t run ambulances. They don’t even have a waiting room with expired magazines and lukewarm coffee. No, Albedo is what happens when hospitals say, “We’re tired of chasing people for money,” and outsource their grudges to a shell company with a PO box in Broken Arrow. On the other side is Cassidy Manning, a 24-year-old woman from Caney, Oklahoma — not a millionaire, not a fugitive, just a young adult trying to survive in a country where getting sick can bankrupt you even if you did everything right. According to the paperwork, she went to Coal County General Hospital back in 2022 — signed the forms, consented to treatment, and, crucially, agreed to be financially responsible for anything her insurance didn’t cover. Her insurer? Blue Cross Blue Shield of Texas. Which raises about a dozen questions already — like, why is a Texas insurance company paying for care in rural Oklahoma? But hey, maybe Cassidy moved. Maybe she was visiting. Maybe she got hurt at a Waffle House during a cross-country road trip. We may never know. What we do know is that after her visit, something went sideways. The bill wasn’t fully paid. And now, nearly four years later, the hospital has cashed in its chips and sold the debt to Albedo Holdings, who showed up at the courthouse like the IRS with better posture.

Here’s how we got here: Cassidy got medical care. That’s step one. Step two: someone — probably the hospital’s billing department — ran the numbers, sent the claims to BCBS Texas, and waited. Some portion got paid. But $2,174.51 didn’t. Maybe the insurance denied part of it. Maybe Cassidy didn’t have enough coverage. Maybe she forgot to update her address and the bills got lost in the mail. Doesn’t matter. What matters is that the hospital tried to collect, failed, and instead of writing it off like a bad Yelp review, they did what hospitals in America do best — they turned it into a financial instrument. On July 2, 2025 — yes, the same day the CEO certified that the hospital was fully compliant with price transparency laws — Coal County General Hospital signed a “Conveyance and Bill of Sale” transferring Cassidy’s debt to Albedo Holdings, LLC. It’s like selling a car note, except the car is Cassidy’s medical trauma and the buyer is a company that exists solely to sue people for unpaid ER visits.

Now, fast-forward to March 2, 2026. Albedo files a petition in District Court claiming an “open account” — legalese for “you owe us money and haven’t paid.” No fancy fraud allegations. No accusations of identity theft. Just cold, hard arithmetic: $2,174.51 unpaid, demand made, no response, so let’s take this to court. The legal claim is as basic as it gets — this isn’t a breach of contract case with layers of interpretation. It’s not even negligence. It’s “you got care, you agreed to pay, you didn’t, so now we’re asking a judge to make you.” And if Cassidy doesn’t show up on April 21, 2026 — which, let’s be real, is a Monday at 9 a.m. in Coalgate, a town so small its entire downtown could fit inside a Walmart parking lot — then Albedo wins by default. Judgment entered. Wage garnishment? Maybe. Credit score nuked? Almost certainly. All over two grand.

And what do they want? $2,174.51. Let’s put that in perspective. That’s not chump change — it’s more than most people spend on groceries in a year. It’s a used car down payment. A month’s rent in some parts of Oklahoma. But in the world of medical debt? It’s peanuts. Hospitals write off millions every year. This isn’t a life-or-death sum. It’s the financial equivalent of a parking ticket — except instead of a beep from a meter maid, you get a notarized affidavit and a court date. And here’s the kicker: Albedo isn’t asking for punitive damages. No emotional distress claims. No attorney fees (at least not in the filing). Just the balance due. Which makes you wonder — is this really about the money? Or is it about setting an example? Sending a message to every 24-year-old with a PO box and a Texas insurance card: We will find you.

Our take? The most absurd part isn’t that a hospital sold a debt. That happens every day. It’s not even that a 24-year-old is being sued — sad, but common. No, the real comedy of errors here is the theater of it all. The CEO of a rural Oklahoma hospital certifying compliance with price transparency laws on the same day he signs over patient debts like trading baseball cards. The “Conveyance and Bill of Sale” — as if Cassidy’s medical bill were a tractor being auctioned off at a county fair. The notary public with a commission number and an expiration date like she’s in witness protection. And poor Cassidy, caught in the middle, probably unaware that her signature on a financial responsibility form back in 2022 would one day lead to a court order telling her to “appear with all books, papers, and witnesses” — as if she’s defending herself in a corporate espionage trial, not disputing a co-pay.

We’re rooting for transparency — real transparency. Not the kind where hospitals file paperwork saying they’re compliant, but the kind where a young woman can walk into an ER, get treated, and know exactly what she’ll owe before they hand her a pen and a stack of forms taller than her medical chart. Until then, welcome to American healthcare: where the real emergency isn’t in the ER — it’s in the billing department. And the only thing more dangerous than a misdiagnosis? A misplaced decimal point.

Case Overview

$2,175 Demand Petition

Jurisdiction

District Court, Oklahoma

Relief Sought

$2,175 Monetary

Plaintiffs

Albedo Holdings, LLC. business

Defendants

Cassidy Manning individual

Claims

#	Cause of Action	Description
1	open account	unpaid bill for services performed

Petition Text

1,180 words

IN THE DISTRICT COURT OF COAL COUNTY STATE OF OKLAHOMA Albedo Holdings, LLC. vs. CASSIDY MANNING XXX-XX-1997 Plaintiff, Defendant(s) AFFIDAVIT Albedo Holdings, LLC., being sworn, deposes and states: That the defendant resides at PO BOX 175, LEHIGH, OK 74556. If the Defendant’s residence is not in COAL county, this action is brought to collect an open account, note, or other instrument of indebtedness contracted or given in COAL; or COAL County is otherwise the proper venue for collection of such open account, note, or instrument of indebtedness. Plaintiff acknowledges and disclaims jury trial. (see Oklahoma Statutes, Title 12, Sections 1751, 1752, 134, 135, 139 and 142, Oklahoma Constitution, Article 2.) The Defendant owes the Plaintiff $2,174.51 for: Unpaid bill for services performed. The Plaintiff has demanded payment, but the defendant has refused to pay, and no part of the amount sued for has been paid. THE MAILING ADDRESS OF THE PLAINTIFF IS: Albedo Holdings, LLC. PO BOX 3280 BROKEN ARROW, OK 74013 (918) 615-0014 Subscribed before me this 2nd day of March, 2026. My Commission Expires: ______________________ Notary Public (or Clerk or Judge) _____________________________ ORDER THE STATE OF OKLAHOMA TO THE DEFENDANT: You are hereby directed to appear and answer to the above claim at the time set below, and to have with you at the time, all books, papers, and witnesses needed to establish your defense. This matter shall be heard on the 21 day of April, 2026 at 9:00 o’clock AM. in Room ____ of the COAL County Courthouse, 4 N MAIN ST, in COALGATE, COAL County, Oklahoma. YOU ARE FURTHER NOTIFIED THAT IF YOU DO NOT ALSO APPEAR JUDGMENT WILL BE GIVEN AGAINST YOU for the amount of the claim as stated in the above affidavit and, in addition, for costs of the action (including attorney fees where provided by law) and costs of service of the order .Dated this 3rd day of March, 2026. CONVEYANCE AND BILL OF SALE Coal County General Hospital, Inc. an Oklahoma corporation, as Assignor, for valuable consideration, the receipt and sufficiency of which are hereby acknowledged, does hereby grant, bargain, convey, transfer and assign to Albedo Holdings, LLC, an Oklahoma limited liability company, as Assignee, all of Assignor's right, title and interest in and to all of the accounts of the Assignor identified in the document attached hereto as Exhibit 1 which exhibit is by this reference made a part hereof (the "Transferred Accounts"). Assignor hereby represents and warrants to Assignee that (i) Assignor is the sole beneficial owner of the Transferred Accounts, (ii) Assignor has good title to the Transferred Accounts free and clear of all claims, charges, liens and encumbrances, (iii) Assignor has full power and authority to convey, transfer and assign the Transferred Accounts and no approval of any person or authority is required to transfer and convey the Transferred Accounts to Assignee, and (iv) the Transferred Accounts are hereby conveyed, transferred and assigned to Assignee free and clear of all liens and encumbrances, without any warranty as to the value or collectability of the Transferred Accounts or any other warranty whatsoever. Assignor agrees to execute such other and further documents as may be necessary to effect the intent and purposes of this Conveyance and Bill of Sale. COAL COUNTY GENERAL HOSPITAL, INC. By: ____________________________ Chris Martin, CEO ACKNOWLEDGMENT BEFORE ME, a Notary Public in and for the State of Oklahoma, on July 2, 2025, appeared Chris Martin, CEO of Coal County General Hospital, Inc., an Oklahoma corporation, and acknowledged that he executed the above and foregoing document as his free and voluntary act and as the act of said corporation for the uses and purposes set forth therein. RACHEL WASHINGTON Notary Public, State of Oklahoma Commission #18004831 My Commission Expires 05-04-2026 NOTARY PUBLIC (No text present in the image) [?] . . . Patient Information Name: Cassidy Manning Date of Birth: _____-97 Social Security Number: ________ Age: 24 Sex: F Race: Mailing Address: 7054 West Carmel Rd City/State: Caney, OK Zip Code: 74333 Telephone Number: 754 1044 0093 Email: Marital Status: Language: Religion: Employer: Occupation: Emergency Contact Provider: Unknown Phone Number: Provider Address: Family/Guardian Contact Name: Relation to Patient: Phone Number: Responsponsible Person/Parent for Payment: BCBS Texas Relation to patient: Phone Number: Social Security Number: Date of Birth: Insurance Information Primary Insurance: Secondary Insurance: Is this visit Workman's Comp? YES ___ NO ____ If yes, Employer of Workman's Comp: Previous Insurance Card(s): YES ___ NO ____ Previous Identification: YES ___ NO ____ COAL COUNTY GENERAL HOSPITAL DINA MARY HURLEY HOSPITAL Cougars, Oklahoma I consent to allow medical data to be released for any medical provider in connection with my admitted and/or emergency treatment, hospitalization. If I am a deceased patient, I consent to the release of all my medical records to any medical facility where information will be stored for my heirs. I acknowledge that I have received written notice of my patient rights, including my right to receive an Authorization for Release of Medical Information for this episode of care from providers, medical staff, and any organization involved in the performance of medical services, analysis or determination, including those which are billed separately, and encourage you to obtain a photocopy of this form in addition to any notice of information sent during my lifetime. I understand that this authorization will not be valid if the above signed notice has already been signed in relation to me. This authorization is valid at all times after the date signed unless previously revoked by the patient. I further understand that I may be tested for sexually transmitted diseases such as HIV or HAV, hepatitis B, and other communicable diseases such as syphilis, gonorrhea, or the human immunodeficiency virus (HIV), which is known as acquired immune deficiency syndrome (AIDS). With this knowledge, I hereby give my written consent for the release of my medical information including information concerning HIV. FINANCIAL RESPONSIBILITY I hereby irrevocably assign to Coal County General Hospital & Dina Mary Hurley Hospital and any health care provider designated by Coal County General Hospital the right to pay such medical and all rights interest in my case books and/or agreements, and I direct that all such payments be made directly to Coal County General Hospital or ICT's assigned vendor. I am financially responsible for deductibles, co-insurance, and all services not covered by insurance benefits and/or commitments. A set is included for verification of services. Coal County General Hospital is released from responsibility for all violations or personal harm. The undersigned certifies having read and agreed to abide by the foregoing. Date: 9-24-22 Witness: Patient Signature: Patient Agent/Representative Coal County General Hospital 6 N. Covington St Coalgate, OK 74538 (580) 927-2327 CCGH COAL COUNTY GENERAL HOSPITAL July 2nd, 2025 To Whom it May Concern: As Chief Executive Officer of Coal County General Hospital, Inc., I hereby certify that Coal County General Hospital is in full compliance with all applicable state and federal hospital price transparency laws, including but not limited to the Oklahoma Transparency in Health Care Prices Act, Title 63, section 1-725.1 et seq, of the Oklahoma Statutes. This certification is intended to meet the requirements of Title 12, section 193(B)(2) of the Oklahoma Statutes. Sincerely, Chris Martin, CEO Coal County General Hospital, Inc. Payment History by Account Number After Statement AcctID AcctNum Payment Date Payment Type