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All states/Massachusetts/Medical Debt
MA Medical Debt

Massachusetts Medical Debt Laws

Everything you need to know about medical debt in Massachusetts: SOL is 6 years, garnishment capped at 15% of gross wages, and 3 state-specific protections apply.

6 years

SOL (open/revolving accounts)

$2,459

Avg medical debt

15% of gross wages

Garnishment cap

How to Dispute Medical Debt in Massachusetts

1
Request itemized bill with CPT codes
2
Check for No Surprises Act violations
3
Apply for hospital financial assistance
4
Dispute errors line by line
5
Negotiate — hospitals accept 40-60% routinely

Massachusetts State Law

Chapter 93A Consumer Protection

File complaints: AG Consumer Protection

Relevant Federal Laws

  • FDCPA (15 USC 1692)
  • FCRA (15 USC 1681)
  • FTC Act 5
  • CFPB Reg F

Massachusetts Consumer Protections

Chapter 93A — treble damages for willful violations
Low 15% wage garnishment
Strong AG enforcement

Medical Debt Tips for Massachusetts Residents

ALWAYS get an itemized bill before paying
Nonprofit hospitals must offer financial assistance
Medical debt has 365-day credit reporting grace period

Dispute Medical Debt in Massachusetts

DebtShield generates AI dispute letters that cite Massachusetts law (Chapter 93A Consumer Protection) and federal FDCPA protections.

Generate Massachusetts Medical Debt Dispute Letter