state medical debt protections

Pennsylvania Medical Debt Laws: What Applies in Pennsylvania

Oct 26, 2026Oct 15, 2026 by M. Allen

Pennsylvania enforces an absolute ban on wage garnishment for medical debt, meaning collectors cannot touch your paycheck even if they win a court judgment against you. While your wages are protected at the employer level, funds deposited into your bank account can still be levied if a collector successfully sues you within the state’s 4-year … Read more

New York Medical Debt Laws: What Applies in New York

Oct 11, 2026 by M. Allen

New York provides the most comprehensive medical debt shield in the country, explicitly banning wage garnishment, property liens, and credit reporting for medical bills. While a collector can still sue you within the state’s 6-year legal window, winning a judgment does not grant them the right to touch your paycheck or your primary residence. Even … Read more