North Carolina limitations for paying medical bills

by Sue
(North Carolinz=a)

Is there a limitation in North Carolina where you do not have to pay a medical Bill.

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Mar 03, 2012
North Carolina limitations for paying medical bills
by: Debtcollectionanswers

If you owe medical debt, there is no limitation on how long you owe it. In other words, you owe it until you pay it. This means that collectors and creditors can contact you about your debt for as long as they want.

There is a limit on how long they can sue you for your unpaid bills however and that limit is called the "statute of limitation" (SOL). According to my sources, NC's SOL for medical debt is 3 years. It starts on the date that you miss your first payment.

If you are at risk for being sued, you have a couple options:

1. You can try to work out a payment plan with the medical provider/s to whom you owe the money

2. You can try to settle your debt, which involves getting the provider/s to agree that you can pay the debt in full for less than what you owe

3. You can file for bankruptcy.

If you negotiate a payment plan or a settlement, get the terms of your agreement in writing before you pay any money.

If you want to explore the option of bankruptcy, schedule
a free initial evaluation with a bankruptcy attorney. And, if you decide to file, be sure to work with a bankruptcy attorney rather than trying to handle the process on your own. Bankruptcy is very complicated so you really need an attorney to fill out all of the forms, meet all of the required deadlines, deal with any issues that may arise, and so on.

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