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Medical Debt Rights Calculator

Find out if your medical debt is time-barred, check your legal protections, and understand your rights under federal and state law. No login required.

FDCPA & state law data Updated for 2025–2026 100% private

Enter Your Debt Details

Your State

Original Bill Date

When the medical service was provided or bill was issued

Amount Owed ($)

Has the debt been sent to collections?

Have you been contacted by a debt collector?

Is the debt on your credit report?

What You'll Learn

Statute of Limitations

Whether your debt is "time-barred" — meaning a collector may no longer be able to sue you to collect it.

Your Federal Rights

FDCPA protections including the 30-day debt validation period and your right to demand proof of the debt.

Credit Report Impact

Recent changes mean medical debt under $500 can no longer appear on credit reports (as of 2023).

State-Specific Rules

Collection restrictions, charity care requirements, and billing protections that vary by state.

Dispute Letter Template

If your debt is time-barred, get a ready-to-send dispute letter asserting your rights.

Your Medical Debt Rights Report

Based on your inputs and state law

📝 Appeal Builder

Generate professional dispute letters with legal citations and pricing evidence to fight unfair charges.

Build a letter →

💰 Financial Assistance Screener

Check if you qualify for hospital charity care, Medicaid, or other financial assistance programs.

Check eligibility →

⚠️ Legal Disclaimer: This tool provides general educational information about medical debt rights and is not legal advice. Laws change and individual circumstances vary. The statute of limitations and other rules depend on many factors including the type of debt agreement and state law. Consult a consumer rights attorney or legal aid organization for advice specific to your situation. Taven Health is not a law firm.