OH Medical Debt

Ohio Medical Debt Laws

Everything you need to know about medical debt in Ohio: 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 Ohio

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

Ohio State Law

Ohio Consumer Sales Practices Act

File complaints: AG Consumer Protection

Relevant Federal Laws

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

Ohio Consumer Protections

CSPA provides additional remedies

8-year SOL on written contracts (longer than most)

Medical Debt Tips for Ohio 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 Ohio

DebtShield generates AI dispute letters that cite Ohio law (Ohio Consumer Sales Practices Act) and federal FDCPA protections.

Generate Ohio Medical Debt Dispute Letter