Medical Debt Protections in Vermont
State protections for medical debt in Vermont, including credit reporting and collection limits.
Short answer: Since July 1, 2025, credit reporting agencies may not report or keep medical debt in a consumer's file. 9 V.S.A. 2466d; 18 V.S.A. 9485; Vermont Judiciary, Debt Collection & Small Claims
| Medical debt protections | Since July 1, 2025, credit reporting agencies may not report or keep medical debt in a consumer's file. Large health care facilities and medical debt collectors may not report medical debt to credit bureaus, and large facilities may sell medical debt only to a nonprofit that will cancel it. In small claims court, consumer credit and medical debt claims are capped at $5,000. 18 V.S.A. 9485: https://legislature.vermont.gov/statutes/section/18/221/09485. Small claims cap: https://www.vtcourts.gov/self-help/debt-collection-small-claims |
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Where to get help in Vermont
More Vermont debt & collections
- Statute of Limitations on Debt in Vermont
- Wage Garnishment in Vermont
- How to Respond to a Debt Collection Lawsuit in Vermont
- What Creditors Can't Take in Vermont
- All Vermont debt & collections rules
FAQ
What protections apply to medical debt in Vermont?
Since July 1, 2025, credit reporting agencies may not report or keep medical debt in a consumer's file. Large health care facilities and medical debt collectors may not report medical debt to credit bureaus, and large facilities may sell medical debt only to a nonprofit that will cancel it. In small claims court, consumer credit and medical debt claims are capped at $5,000.
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.