Maine is currently advancing 2026 legislation that proposes significant new restrictions on medical debt wage garnishment. While that legislation is pending, current rules still allow collectors to garnish a portion of your disposable earnings if they successfully sue you. Maine residents rely on federal FCRA guidelines for credit reporting, as the state has not yet … Read more
South Dakota medical debt falls under a 6-year statute of limitations, giving collectors a wide window to file a lawsuit against you. Making even a small partial payment on an old medical bill can reset the 6-year clock back to day one. While South Dakota is generally considered lender-friendly, the state protects 80% of your … Read more
The Kentucky medical debt statute of limitations is five years, meaning collectors lose the legal right to sue you for an unpaid hospital bill after this window closes. Kentucky residents must watch out for a separate timeline regarding hospital liens. If your medical treatment was the result of an accident, hospitals can place a lien … Read more