MN · medical-debt statute of limitations
Minnesota
Written contract
6 yr
Open account / oral
6 yr
Most common for medical
6 yr
Open-account period
How medical debt is treated in Minnesota
Minnesota applies a 6-year limit to contract actions, including medical bills (Minn. Stat. § 541.05).
Last checked June 16, 2026.
Can the clock restart?
Minnesota's Debt Fairness Act bars reviving an expired consumer debt by payment or acknowledgment (Minn. Stat. § 541.053). A payment on an expired debt does not restart the clock.
Medical-debt credit reporting in Minnesota
Minnesota's Debt Fairness Act (effective Oct 1, 2024) restricts medical-debt credit reporting. Enforceability is subject to the federal-preemption dispute.
Estimate the window for your Minnesota 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.
Not yet professionally reviewed.
Treat all content as general information, not legal advice.
Minnesota 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.