Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
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Unfortunately, they can continue to bill you forever.
The statute of limitations in PA is 4 years but that is from the last payment you make. They can't successfully sue you after that date but they can continue billing you and they can leave it on your credit report for seven years.
You also asked "Can the hospital sell my debt to a collection agency?"
The answer to that is absolutely yes. Medical debts are sold all the time.
Does that mean that after seven years, It will no longer be on my credit report.
Yes, it should go away after 7 years. However, there is some disagreement as to when the seven years starts. I think the courts are eventually going to rule that it is seven years from the last payment.
Can this debt be passed to my heirs?
No, your heirs won't owe it.
You can also erase it through bankruptcy.
If I retire to a different country, will the debt follow me?
It depends on the country but most of them don't use the same procedures we do here so I think it is likely it wouldn't.
What do you mean by the same procedure? I am thinking of moving to Panama.
They don't use the credit reporting agencies the same way we do.
Plus their time limits are different.
Each country varies and I'm not sure how it works in Panama.
Thank you for your help.
You're very welcome. Anything else I can answer before I exit to assist others?
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