Disclaimer

Information, not legal advice

MedDebtSOL provides general information about how medical debt is treated under state statute-of-limitations law and the federal Fair Debt Collection Practices Act. It is not legal advice for your specific debt and does not create an attorney-client relationship. We are not your lawyers.

The estimate is an estimate

The decoder computes an estimate from a state's general contract statute-of-limitations period. It cannot account for the facts that often decide a real case: the exact date the clock started (which is not always the date of service), whether a payment or written acknowledgment restarted the clock, tolling for an out-of-state defendant or for bankruptcy, or whether the bill is governed by a written agreement or an open account. A debt that the decoder shows as “likely time-barred” may still be collectible, and vice versa.

Letters carry real risk

A debt-collection letter can have consequences. Telling a collector to stop contacting you can prompt a lawsuit on a debt that is still within the limitations period. Making a payment or admitting a debt in writing can restart the clock in many states. Sending the wrong letter at the wrong time can hurt your position. Treat the templates here as drafts to review with a licensed consumer-law attorney before sending.

Verify before you rely

Statute-of-limitations periods, tolling triggers, and credit-reporting laws change. Every state entry links to its primary statutory source with a last-verified date. Confirm the current rule with that source or with a licensed attorney in your state before acting.

Independent review

Information hub, not a law firm

MedDebtSOL is published by Desymphony as an information resource. It is not a law firm, a debt-settlement company, or a credit-repair organization, and it does not offer to act on your behalf. For help with a specific debt, contact a licensed consumer-law attorney or a nonprofit credit counselor.