CO · medical-debt statute of limitations
Colorado
Written contract
6 yr
Open account / oral
6 yr
Most common for medical
6 yr
Open-account period
How medical debt is treated in Colorado
Colorado applies a 6-year limit to liquidated debts and contracts, including medical bills (C.R.S. § 13-80-103.5).
Last verified June 16, 2026.
Can the clock restart?
A payment or written acknowledgment can restart the clock in Colorado (C.R.S. § 13-80-115).
Medical-debt credit reporting in Colorado
Colorado's HB23-1126 (effective Aug 2023) was the first state law barring medical debt from credit reports. It is now in litigation (ACA International v. Fulford, Nov 2025) and subject to a federal-preemption challenge.
Estimate the window for your Colorado debt
Enter the date the clock most likely started — usually the date of last payment or activity.
Select your state and a date to see an estimate of whether the debt is within your state's limitations window.
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Colorado medical-debt questions
Note on credit reporting: The CFPB finalized a rule in January 2025 to remove most medical bills from consumer credit reports, but it was VACATED on July 11, 2025 by the U.S. District Court for the Eastern District of Texas (Cornerstone Credit Union League v. CFPB) and is NOT in effect as of 2026. The court also held that the federal FCRA preempts similar state laws. Do not assume medical bills are barred from credit reports under federal law — confirm the current status on consumerfinance.gov. CFPB.