WI Medical Debt

Wisconsin Medical Debt Laws

Everything you need to know about medical debt in Wisconsin: SOL is 6 years, garnishment capped at 20% of disposable earnings, and 2 state-specific protections apply.

6 years

SOL (open/revolving accounts)

$2,459

Avg medical debt

20% of disposable earnings

Garnishment cap

How to Dispute Medical Debt in Wisconsin

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

Wisconsin State Law

Wisconsin Consumer Act

File complaints: AG Consumer Protection

Relevant Federal Laws

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

Wisconsin Consumer Protections

Low 20% wage garnishment limit

Community property state — spouse debt implications

Medical Debt Tips for Wisconsin 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 Wisconsin

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

Generate Wisconsin Medical Debt Dispute Letter