Medical debt can quickly become overwhelming, leading many to wonder how long a creditor can legally pursue collection. What is the Michigan statute of limitations on medical debt?
In Michigan, the statute of limitations on medical debt is six years from the date of the last payment. Once this period expires, creditors can no longer sue you for the unpaid debt.
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FAQs About Medical Debt in Michigan
Can a debt collector sue me for old medical debt in Michigan?
No, once the six-year statute of limitations expires, debt collectors cannot sue you for the debt.
Will medical debt affect my credit score in Michigan?
Yes, unpaid medical debt can remain on your credit report for up to seven years, even if the statute of limitations has expired.
Should I pay a medical debt that is past the statute of limitations?
Be cautious—making a payment could restart the statute of limitations and allow creditors to sue you.
Can medical providers send unpaid bills to collections in Michigan?
Yes, if you fail to pay a medical bill, providers can sell the debt to a collection agency.
How can I remove medical debt from my credit report in Michigan?
You may be able to dispute inaccuracies or request removal if the debt is time-barred. Bankruptcy can also eliminate medical debt.