The Pennsylvania medical debt statute of limitations is 4 years under 42 Pa. C.S. section 5525. Pennsylvania strictly prohibits wage garnishment for medical debt, meaning your paycheck is legally protected even if a collector wins a lawsuit against you. While your wages are safe, a court judgment still allows debt collectors to levy your bank … Read more
The North Dakota medical debt statute of limitations is 6 years under NDCC section 28-01-16. This 6-year window gives debt collectors significant time to pursue lawsuits, which is especially relevant given the high per-capita healthcare costs in the state. North Dakota does not have specialized state-level medical debt protections, meaning residents rely entirely on the … Read more
The New Jersey medical debt statute of limitations is 6 years under N.J.S.A. 2A:14-1. This 6-year clock generally starts on the date of your last payment or the date the bill first became delinquent. New Jersey hospitals are legally required to screen patients for charity care eligibility before sending accounts to collections. If they skip … Read more
Zombie medical debt is old, unpaid healthcare billing that a collector brings back to life, often years after you thought it was resolved or forgotten. Once a medical bill passes your state’s statute of limitations, it becomes time barred medical debt. Collectors can still legally ask you to pay it, but they lose the legal … Read more