ND Medical Debt

North Dakota Medical Debt Laws

Everything you need to know about medical debt in North Dakota: SOL is 6 years, garnishment capped at 25% of disposable earnings, and 2 state-specific protections apply.

6 years

SOL (open/revolving accounts)

$2,459

Avg medical debt

25% of disposable earnings

Garnishment cap

How to Dispute Medical Debt in North Dakota

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

North Dakota State Law

ND Collection Agency Licensing Act

File complaints: AG Consumer Protection

Relevant Federal Laws

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

North Dakota Consumer Protections

Collectors must be licensed

$150,000 homestead exemption

Medical Debt Tips for North Dakota 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 North Dakota

DebtShield generates AI dispute letters that cite North Dakota law (ND Collection Agency Licensing Act) and federal FDCPA protections.

Generate North Dakota Medical Debt Dispute Letter