MO Medical Debt

Missouri Medical Debt Laws

Everything you need to know about medical debt in Missouri: SOL is 5 years, garnishment capped at 25% of disposable earnings or 10% of wages (greater protection), and 2 state-specific protections apply.

5 years

SOL (open/revolving accounts)

$2,459

Avg medical debt

25% of disposable earnings or

Garnishment cap

How to Dispute Medical Debt in Missouri

Request itemized bill with CPT codes

Check for No Surprises Act violations

Apply for hospital financial assistance

Dispute errors line by line

Negotiate — hospitals accept 40-60% routinely

Missouri State Law

Missouri Merchandising Practices Act

File complaints: AG Consumer Protection

Relevant Federal Laws

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

Missouri Consumer Protections

10-year SOL on written contracts

Head of household garnishment protections

Medical Debt Tips for Missouri 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 Missouri

DebtShield generates AI dispute letters that cite Missouri law (Missouri Merchandising Practices Act) and federal FDCPA protections.

Generate Missouri Medical Debt Dispute Letter