The rules that protect you sit in three places: federal collection law, the No Surprises Act, and a fast-changing set of state statutes. These guides explain what collectors can and can’t do, your rights against surprise bills, and what the newest state laws mean for your debt and your credit reports.
The No Surprises Act protects you from surprise out-of-network bills for emergency and hospital care. See what's covered and how to dispute.
Know your medical debt rights under the FDCPA and state laws: what collectors can and can't do, newer state protections and how to report violations.
New medical debt laws by state: reporting bans now in 15 states + DC, billing and assistance rules, and which protections apply to you in 2026.
Is medical debt on credit reports in 2026? The federal rule was struck down, but bureau policies and state bans still protect many patients.