You are here:

Collections Law/Medical Collections


I was wondering if you know the statute of limitations on medical collections in NC? I've read the statute of limitations but I am unclear where medical bills would fall - perhaps under written or oral contracts which is three years?

The statute of limitation for medical debts in North Carolina is three years unless you have made a partial payment, that resets the clock to another three years.  Just because a debt is older than three years it does not mean collection efforts have to stop. It means they can not use legal means such as suing, to collect. If you do not intend to pay this debt, it is important to remember not to make any partial payments because the statutes start over again.

Please excuse my tardiness in answering this question, I was not notified that I had received it. I usually answer them within a couple of hours.  I wish you the best with this situation.

Collections Law

All Answers

Answers by Expert:

Ask Experts


Ray A Miller


I am qualified to answer questions on the following subjects: FDCPA, FCRA and HIPAA as well as medical collections, general collections and collection agency related issues. I trained these subjects at a nationwide collection agency and customer service call center and audited around 150 representatives for compliance to the laws. I have been in the Collections Industry for over 30 years. I feel that everyone deserves to be treated fairly and with compassion and that is the way I trained collectors. Even though I worked for a Collection Agency, I get great satisfaction in helping those who have been mistreated or in need of help with these confusing issues.


I was the Compliance Administrator with a nationwide collection agency and customer service call center-I have trained hundreds of collectors on the above referenced topics. I have been in the medical collections industry for over twenty years and research these topics on a daily basis.

ACA International

Some college ACA Certified Collection Specialist

Past/Present Clients
I am retired due to medical conditions and spend a good deal of time keeping current on collection issues.

©2017 All rights reserved.

[an error occurred while processing this directive]