Medical Debt
Medical Debt and Bankruptcy: Chapter 7 vs. Chapter 13
Chapter 7 erases medical debt in months with no repayment, while Chapter 13 protects your home but requires partial repayment over years.
September 16, 2026
Medical Debt
Medical debt and collections: what collectors can and cannot do, credit reporting rules for medical debt, and options for bills already in collections.
Medical Debt
Suing a Hospital for Illegal Collection Practices
Hospitals violate federal law when collecting debts illegally—and face up to $1,000 per violation plus attorney fees.
September 14, 2026
Medical Debt
Debt Validation Letters: Stopping Collection Calls
Send a validation letter within 30 days to pause collection calls—and end them permanently if the collector fails to validate the debt.
September 13, 2026
Medical Debt
Hospital Liens on Personal Injury Settlements
Hospital liens claim up to 50% of your injury settlement under state law, but Medicare follows different rules and attorneys must negotiate limits.
September 11, 2026
Medical Debt
Bank Account Levies for Hospital Bills
Bank levies for hospital debts require a court judgment and Writ of Execution; your state protects a minimum exempt amount you can claim in…
September 11, 2026
Medical Debt
Wage Garnishment for Medical Debt: What You Can Stop
Federal law caps medical wage garnishment at 25% of disposable income, but five states ban it entirely—here's how to defend yourself.
September 10, 2026
Medical Debt
Medical Debt Lawsuits: Statute of Limitations by State
Medical debt lawsuits have 2- to 10-year time limits by state. Know your deadline before collectors sue.
September 10, 2026
Medical Debt
Hospital Debt Collection Laws and Your Rights
You can dispute medical debt, stop collector calls with a letter, and block lawsuits after your state's deadline—here's your legal defense.
September 10, 2026
Medical Debt
What Happens When a Hospital Bill Goes to Collections
Medical bills reach collections around 120 days, but you have legal rights to dispute and verify before extraordinary collection actions can be taken.
September 9, 2026
Medical Debt
Hospital Payment Plans: What to Ask Before You Agree
Ask about interest rates, setup fees, and your alternatives to a payment plan before signing with a hospital.
September 9, 2026
Medical Debt
How Medical Debt Appears on Your Credit Report
Medical debt only appears if sold to collections; 70% of medical debts under $500 are now excluded from credit reports.
September 8, 2026
Medical Debt
What Debt Collectors Can and Cannot Do About a Medical Bill
Debt collectors cannot call more than seven times weekly, sue after the statute of limitations, or collect what insurance already paid. Know your rights.
September 7, 2026