K.R.
While I have not personally experienced a repo, I have been close to two people who have. The finance co or bank got the car and now they have nno leverage to force her to pay, but they can be annoy her terribly. With her medical issues and mounting healthcare bills, I realize she doesn't need that problem but it can be handled. Do not pay the balance, ignore the letters and the phone calls that will come as well. Write a "cease and desist" letter to stop the phone calls but not the letters. They will taper off until the loan is sold to another collection company, then she can write another letter. I know this sounds awful but bill collectors are persistent. It is too bad she has to deal with this problem at a time like this.
Good luck and wishes for a speedy and complete recovery.