Medical Debt Protections in New York
State protections for medical debt in New York, including credit reporting and collection limits.
Short answer: Yes. Credit reporting agencies may not report or keep medical debt in a consumer's file. Hospitals and licensed health care professionals must sue within 3 years of treatment, and income executions (wage garnishment) are not allowed in medical debt actions they bring. N.Y. Gen. Bus. Law § 380-j(a)(3); CPLR 213-d; CPLR 5231(b)
| Medical debt protections | Yes. Credit reporting agencies may not report or keep medical debt in a consumer's file. Hospitals and licensed health care professionals must sue within 3 years of treatment, and income executions (wage garnishment) are not allowed in medical debt actions they bring. |
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Where to get help in New York
- New York State Office of the Attorney General, Bureau of Consumer Frauds and Protection
- File a complaint or claim
More New York debt & collections
- Statute of Limitations on Debt in New York
- Wage Garnishment in New York
- How to Respond to a Debt Collection Lawsuit in New York
- What Creditors Can't Take in New York
- All New York debt & collections rules
FAQ
What protections apply to medical debt in New York?
Yes. Credit reporting agencies may not report or keep medical debt in a consumer's file. Hospitals and licensed health care professionals must sue within 3 years of treatment, and income executions (wage garnishment) are not allowed in medical debt actions they bring.
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.