OR Medical Debt

Oregon Medical Debt Laws

Everything you need to know about medical debt in Oregon: SOL is 6 years, garnishment capped at 25% of disposable earnings or amount exceeding $254/week, and 2 state-specific protections apply.

6 years

SOL (open/revolving accounts)

$2,459

Avg medical debt

25% of disposable earnings or

Garnishment cap

How to Dispute Medical Debt in Oregon

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

Oregon State Law

Oregon Unlawful Debt Collection Practices Act

File complaints: AG Consumer Protection

Relevant Federal Laws

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

Oregon Consumer Protections

State act applies to original creditors

$40,000 homestead exemption (single)

Medical Debt Tips for Oregon 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 Oregon

DebtShield generates AI dispute letters that cite Oregon law (Oregon Unlawful Debt Collection Practices Act) and federal FDCPA protections.

Generate Oregon Medical Debt Dispute Letter