NH · medical-debt statute of limitations
New Hampshire
Written contract
3 yr
Open account / oral
3 yr
Most common for medical
3 yr
Open-account period
How medical debt is treated in New Hampshire
New Hampshire applies a 3-year limit to personal actions, including medical bills (RSA 508:4).
Last checked June 16, 2026.
Can the clock restart?
Under New Hampshire case law (Premier Capital v. Gallagher) a payment or acknowledgment can restart the clock. This rests on case law rather than a clean statute.
Estimate the window for your New Hampshire debt
Enter the date the clock most likely started — usually the date of last payment or activity.
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Not yet professionally reviewed.
Treat all content as general information, not legal advice.
New Hampshire 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.