Is this debt too old? Can they report it?

Medical debt has different time limits for credit reports, for lawsuits and for hospital collection steps. Enter your dates and see each one.

Worked out in your browser. Nothing you enter here is saved or sent.

Your state

Date you got the care

The date of the visit, stay or ride. Used for the veterans' rule.

Date of the first bill

The first bill the hospital or provider sent after the care (after you left the hospital). Used for waiting periods and the 120- and 240-day dates.

Date you first fell behind

The date a payment first became late. If you are not sure, use the due date of the first bill you did not pay in full. Used for the credit-report date.

Date of your last payment (if any)

Leave blank if you never paid on it.

What kind of agreement was it?

Is the bill from a hospital?

Is it a nonprofit (tax-exempt) hospital?

Many community hospitals are nonprofit. If unsure, choose Not sure; the hospital or its policy can tell you.

Was the care from a non-VA provider, authorized by the VA?

Veterans' medical debt has an extra federal rule.

Count the time limit to sue from

The law of your state says when the clock starts; see the text below the result. If you are not sure, ask legal aid.

Enter your dates and your state

Fill in the dates you know. Each result needs only the date it uses.

Federal rules for nonprofit hospitals apply in every state. Free help can review your bill.