My character has been placed in a situation where another member of the klingon empire has saved her life, and I have heard, and I am not sure, that when a klingon saves another's life a debt is owed; which I think I have heard mention of before this. I don't know exactly the term for it and would like to.
This comes from the novel Pawns and Symbols
. Kang used the obscure disused Klingon law to lend an air of legal technicallity air to his kidnapping of Lt. Czerny, which she promptly turn against him and took Kang's Agricultural Specialist as her bondmate
by saving his life.
Klingons hate servitude and would perfer death to being enslaved. So it is highly unusual for a Klingon to invoke this old law(old for TOS, older by TNG), and quite likely that Kang only got away with it because he is Kang (and in the book heir to the throne and on a mission to save the Klingon Empire). Czerny got away with it because Kang has a both a strong sense of Honor and another of Irony. And he needed her to play along, and she wasn't likely to if he showed that he was not bound to the same rules he held her to.
Your doctor, even if the one went far beyond the call of duty, would have to have a darn good reason to try to make such a desperate and cowardly move. The doctor's player better have a excellent in character reason why the doc needs that level of power over your character. If it is just to increase thier influence or play powergames, then invoking this law has no place in the game.
If you can't talk them out of it out-of-character, and the people who run the ship will not intervene, you have two choices. Play Maltz "I do not deserve to live", and hang limply forcing his hand to free you or kill you. Or play along, actively plotting to turn the tables.
As pointed out before, it is the Doctor's job to save your life, and if it worked out the way the Doctor claims, then Doctors would control the Empire. Doctor's do not control the Empire. Warriors do.