Medical Debt Protections in Illinois
State protections for medical debt in Illinois, including credit reporting and collection limits.
Short answer: Consumer reporting agencies may not include adverse information about medical debt, or about collection actions on medical debt, in credit reports, and may not keep medical debt information in a consumer's file. 815 ILCS 505/2EEEE
| Medical debt protections | Consumer reporting agencies may not include adverse information about medical debt, or about collection actions on medical debt, in credit reports, and may not keep medical debt information in a consumer's file. Medical debt charged to a general credit card is not covered. Effective January 1, 2025 (P.A. 103-648), amended by P.A. 104-417. Source: 815 ILCS 505/2EEEE |
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Where to get help in Illinois
- Illinois Attorney General, Consumer Protection Division (collection agency licensing: Illinois Department of Financial and Professional Regulation)
- File a complaint or claim
More Illinois debt & collections
- Statute of Limitations on Debt in Illinois
- Wage Garnishment in Illinois
- How to Respond to a Debt Collection Lawsuit in Illinois
- What Creditors Can't Take in Illinois
- All Illinois debt & collections rules
FAQ
What protections apply to medical debt in Illinois?
Consumer reporting agencies may not include adverse information about medical debt, or about collection actions on medical debt, in credit reports, and may not keep medical debt information in a consumer's file. Medical debt charged to a general credit card is not covered.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.