Skip to main content

About MedDebtSOL

A calm, statute-cited guide to one narrow but heavily-searched question: is a medical debt past the statute of limitations in your state — and what can you do about it?

Consumer-law review in progress

We are recruiting a licensed consumer-law attorney or debt-defense paralegal to review every state entry and letter template before this site applies for advertising. Until that review is complete and attributed here by name, treat all content as informational only.

Why this exists

Tens of millions of Americans carry medical debt, and one of the most common questions about it is whether an old bill is still legally collectible. The answer depends on your state's contract statute of limitations, on whether the bill counts as a written contract or an open account, and on whether anything has restarted the clock. That information is scattered across fifty different state code websites and buried in sign-up-walled or paywalled tools. MedDebtSOL puts it in one place, cites the primary source for every state, and never asks for your email.

What makes it different

  • State-aware, date-aware. Not a static table — you enter your state and a date and get an estimate for your situation.
  • Primary-source citations.Every state entry links to the controlling statute with a last-verified date. Aggregator sites usually don't.
  • Private by construction. The decoder and letter generator run entirely in your browser. Your name, address, and account numbers are never sent to us.
  • Calm, not alarmist.No countdown timers, no “fight back!” framing. This is a financially stressful topic and we treat it that way.

How it's reviewed

Every state statute-of-limitations entry is verified against its primary source. Our letter templates are grounded in the federal Fair Debt Collection Practices Act (15 U.S.C. § 1692*) and, for the time-barred-debt letter, your state's verified SOL period. We are recruiting a licensed consumer-law attorney or debt-defense paralegal to review every state entry and every letter template; until that review is complete and attributed by name above, treat all content as informational only. See our methodology for the full process and our sources for the citation manifest.

Who publishes it

MedDebtSOL is published by Desymphony. It is an information resource, not a law firm, a debt-settlement company, or a credit-repair organization. Contact [email protected].