NH Medical Debt

New Hampshire Medical Debt Laws

Everything you need to know about medical debt in New Hampshire: SOL is 3 years, garnishment capped at limited — only for specific debts, and 2 state-specific protections apply.

3 years

SOL (open/revolving accounts)

$2,459

Avg medical debt

Limited — only for specific de

Garnishment cap

How to Dispute Medical Debt in New Hampshire

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

New Hampshire State Law

NH Consumer Protection Act

File complaints: AG Consumer Protection

Relevant Federal Laws

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

New Hampshire Consumer Protections

Very short 3-year SOL

Limited wage garnishment

Medical Debt Tips for New Hampshire 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 New Hampshire

DebtShield generates AI dispute letters that cite New Hampshire law (NH Consumer Protection Act) and federal FDCPA protections.

Generate New Hampshire Medical Debt Dispute Letter