Medical Debt Protections in Minnesota
State protections for medical debt in Minnesota, including credit reporting and collection limits.
Short answer: Yes. Medical debt may not be reported to credit bureaus, and credit bureaus may not include it in credit reports. Minn. Stat. §§ 332C.02, 332C.03
| Medical debt protections | Yes. Medical debt may not be reported to credit bureaus, and credit bureaus may not include it in credit reports. Medical debt collectors may not suggest that needed care will be denied because of a debt, may not sue after the 6-year limitations period, may not add interest or fees unless the original agreement or law allows them, must stop robocalls when asked, and must include the Attorney General's phone number and a notice of the right to hire a lawyer in the first collection letter. Enacted in 2024 (2024 Minn. Laws ch. 114, art. 3). § 332C.02: https://www.revisor.mn.gov/statutes/cite/332C.02 Source: Minn. Stat. §§ 332C.02, 332C.03 |
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Where to get help in Minnesota
- Minnesota Attorney General's Office (consumer complaints); Minnesota Department of Commerce (licenses collection agencies)
- File a complaint or claim
More Minnesota debt & collections
- Statute of Limitations on Debt in Minnesota
- Wage Garnishment in Minnesota
- How to Respond to a Debt Collection Lawsuit in Minnesota
- What Creditors Can't Take in Minnesota
- All Minnesota debt & collections rules
FAQ
What protections apply to medical debt in Minnesota?
Yes. Medical debt may not be reported to credit bureaus, and credit bureaus may not include it in credit reports. Medical debt collectors may not suggest that needed care will be denied because of a debt, may not sue after the 6-year limitations period, may not add interest or fees unless the original agreement or law allows them, must stop robocalls when asked, and must include the Attorney General's phone number and a notice of the right to hire a lawyer in the first collection letter.
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.