[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-seo-280216-105":3,"detail-sidebar-cat-1-en-105":85,"doc-detail-280216-en":131},{"code":4,"msg":5,"data":6},0,"ok",{"site_id":7,"language":8,"slug":9,"title":10,"keywords":11,"description":12,"schema_data":13,"social_meta":78,"head_meta":80,"extra_data":82,"updated_unix":84},105,"en","fair-medical-debt-reporting-act-medical-debt-credit-report-guidance","Fair Medical Debt Reporting Act - Medical Debt Credit Report Guidance","","Fair Medical Debt Reporting Act prohibits New York hospitals, healthcare professionals, and ambulance providers from reporting most medical debt to credit agencies as of December 13, 2023. Medical debt cannot appear on consumer credit reports regardless of when the debt was incurred. Guidance covers disputes when medical debt appears, what qualifies as medical debt, and key limits such as unpaid medical amounts in credit card bills. It also explains medical credit cards, out-of-state providers, and options when collectors pursue or consumers face lawsuits.",{"@graph":14,"@context":77},[15,34,56],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/template/","Template",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/template/letters/","Letters",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/template/fair-medical-debt-reporting-act-medical-debt-credit-report-guidance/280216/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/fair-medical-debt-reporting-act-medical-debt-credit-report-guidance/280216.png","ImageObject",442,249,{"name":42,"@type":43},"Gelato","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-10-27","2026-09-16",true,{"@type":52,"interactionType":53,"userInteractionCount":55},"InteractionCounter",{"@type":54},"ViewAction",13,{"@type":57,"mainEntity":58},"FAQPage",[59,65,69,73],{"name":60,"@type":61,"acceptedAnswer":62},"What does the Fair Medical Debt Reporting Act do as of December 13, 2023?","Question",{"text":63,"@type":64},"As of December 13, 2023, the Act prohibits New York hospitals, healthcare professionals, and ambulance providers from reporting medical debt to credit agencies. Medical debt generally cannot appear on a consumer’s credit report, regardless of when it was incurred.","Answer",{"name":66,"@type":61,"acceptedAnswer":67},"If medical debt shows up on my credit report, what should I do?",{"text":68,"@type":64},"Dispute the debt with the credit reporting company. The document indicates the Consumer Financial Protection Bureau provides information on disputing errors and offers a template letter as a guide.",{"name":70,"@type":61,"acceptedAnswer":71},"Is medical debt on a credit card statement covered by this law?",{"text":72,"@type":64},"No. The law applies only to medical debts directly reported to a credit agency. Medical debts included in a credit card bill may still be reported as part of unpaid credit card obligations.",{"name":74,"@type":61,"acceptedAnswer":75},"Can a debt collector still pursue me or can I be sued for medical debt?",{"text":76,"@type":64},"Yes. New York providers and facilities can sell medical debts to collection agencies, but the debt cannot be reported to credit bureaus. The law does not prevent lawsuits, and the document notes specific New York limits on wage garnishment and liens on a primary residence after a medical debt judgment.","https://schema.org",{"og:url":32,"og:type":79,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":81,"canonical":32},"index,follow",{"doc_id":83,"site_id":7},280216,1790044985,{"code":4,"msg":86,"data":87},"success",[88,93,98,103,108,113,118,122,127],{"id":89,"doc_module":22,"doc_module_name":25,"category_name":90,"show_sort_weight":91,"slug":92},11,"Presentations",90,"presentations",{"id":94,"doc_module":22,"doc_module_name":25,"category_name":95,"show_sort_weight":96,"slug":97},12,"Resumes",80,"resumes",{"id":99,"doc_module":22,"doc_module_name":25,"category_name":100,"show_sort_weight":101,"slug":102},14,"Invoices",70,"invoices",{"id":104,"doc_module":22,"doc_module_name":25,"category_name":105,"show_sort_weight":106,"slug":107},15,"Posters",60,"posters",{"id":109,"doc_module":22,"doc_module_name":25,"category_name":110,"show_sort_weight":111,"slug":112},16,"Social Media",50,"social-media",{"id":114,"doc_module":22,"doc_module_name":25,"category_name":115,"show_sort_weight":116,"slug":117},17,"Forms",40,"forms",{"id":119,"doc_module":22,"doc_module_name":25,"category_name":29,"show_sort_weight":120,"slug":121},18,30,"letters",{"id":123,"doc_module":22,"doc_module_name":25,"category_name":124,"show_sort_weight":125,"slug":126},21,"Paper Templates",5,"papers-templates",{"id":128,"doc_module":22,"doc_module_name":25,"category_name":129,"show_sort_weight":4,"slug":130},158,"General","general-158",{"code":4,"msg":86,"data":132},{"doc_id":83,"user_id":133,"nickname":42,"user_avatar":134,"doc_module":22,"category_id":119,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":135,"file_id":136,"file_url":137,"file_type":138,"file_size":139,"view_count":55,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":26,"language":140,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":12,"update_tm":144,"read_time":22},19241457091524,"https://us-avatar.wpscdn.com/davatar_276721f389ce27ea32af1340a28f341c","As of December 13, 2023, the Fair Medical Debt Reporting Act prohibits New York hospitals, healthcare professionals, and ambulance providers from reporting medical debt to credit agencies. This means medical debt cannot appear on a consumer’s credit report no matter when the debt was incurred.  \nWhat should I do if there is medical debt on my credit report?  \nDispute the debt! The U.S. Consumer Protection Financial Bureau provides information on how to dispute errors on a credit report with a credit reporting company and a template letter you can use as a guide.  \nAny medical debt that appears on your credit report after December 13, 2023 was illegally reported by your health care provider. When a provider illegally reports the debt, the debt becomes void and you no longer need to pay it.  \nWhat qualifies as medical debt?  \nBills from New York hospitals, health care professionals, and ambulance providers are considered medical debt.  \nAre medical debts charged to my credit card covered by this law?  \nNo. This law only applies to medical debts that are directly reported to a credit agency. Medical debts that are part of a credit card bill, with other charges, are not covered by this law. Unpaid credit card bills that include medical debts can still be reported to a credit reporting agency.  \nCan my balance on a specially issued medical credit card be reported to a credit agency?  \nMedical debts that are charged to medical credit cards are covered by the new law and cannot be reported to a credit agency. Medical credit cards are issued only for paying for health care services, products, or devices.“Care Credit” is a well-known medical credit card. Debts charged to medical credit cards cannot be reported to credit agencies, even if you incurred the charge in the past. It is important to note that medical credit cards have much higher and more aggressive interest rates than other cards.1  \n1 [https://communitycatalyst.org/resource/deferred-interest-credit-cards-are-a-trap/](https://communitycatalyst.org/resource/deferred-interest-credit-cards-are-a-trap/)  \nMedical debt owed to New York hospitals, providers and ambulances cannot appear on your credit report, even if you moved out of state. But medical debt provided by out-of-state health care providers can still be reported to a credit agency.  \nCan a debt collector still pursue me for medical debt?  \nYes. New York hospitals, providers, and facilities can still sell medical debts to collection agencies. But this debt cannot be reported to a credit reporting bureau. You have the right to ask the debt collector to verify the debt and to dispute it. More information on communicating and negotiating with debt collectors is available here.  \nCan I be sued for medical debt if I don’t pay it?  \nYes. This law does not prevent consumers from being sued for medical debt. It only ensures that most medical debt will not show up on your credit reports. More information on responding to a medical debt lawsuit is available here. It’s important to note that in New York, consumers cannot have their wages garnished or a lien placed on their home after a medical debt lawsuit. Information on the New York law banning wage garnishing and liens on a primary residence in a medical debt judgment can be found here.  \nCall Community Health Advocates if you need help resolving a medical debt at: 888-614-5400.","cbCaidievdFV8TXq","https://ap.wps.com/l/cbCaidievdFV8TXq","pdf",119108,"English","# Prohibition on reporting medical debt\n## When the rule takes effect\n## What qualifies as medical debt\n# Disputing medical debt on a credit report\n## Using a dispute template letter\n## Limits when debt appears after the effective date\n# Exclusions and related scenarios\n## Medical debt included in credit card bills\n## Medical credit cards and Care Credit\n## Out-of-state providers\n# Debt collectors and lawsuits\n## Collection efforts without credit reporting\n## Ability to be sued and protections after judgment\n# Getting help","[{\"question\":\"What does the Fair Medical Debt Reporting Act do as of December 13, 2023?\",\"answer\":\"As of December 13, 2023, the Act prohibits New York hospitals, healthcare professionals, and ambulance providers from reporting medical debt to credit agencies. Medical debt generally cannot appear on a consumer’s credit report, regardless of when it was incurred.\"},{\"question\":\"If medical debt shows up on my credit report, what should I do?\",\"answer\":\"Dispute the debt with the credit reporting company. The document indicates the Consumer Financial Protection Bureau provides information on disputing errors and offers a template letter as a guide.\"},{\"question\":\"Is medical debt on a credit card statement covered by this law?\",\"answer\":\"No. The law applies only to medical debts directly reported to a credit agency. Medical debts included in a credit card bill may still be reported as part of unpaid credit card obligations.\"},{\"question\":\"Can a debt collector still pursue me or can I be sued for medical debt?\",\"answer\":\"Yes. New York providers and facilities can sell medical debts to collection agencies, but the debt cannot be reported to credit bureaus. The law does not prevent lawsuits, and the document notes specific New York limits on wage garnishment and liens on a primary residence after a medical debt judgment.\"}]","Fair Medical Debt Reporting Act - Medical Debt Credit Report Guidance | PDF",1789535153]