How Long Before Medical Bills Go To Collections

Updated: 15th May, 2022
Ashley Astors
Verified Collections Expert

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Medical bills can go to collections whenever the provider chooses. They are within their rights to sell your debt to collectors anytime. But collection agencies must wait 180 days (6 months) before reporting medical debt to your credit report. This provides you time to make payment.

How Long Do You Have To Pay A Medical Bill Before It Goes To Collections?

Depending on the provider, you have between 60 and 180 days before medical debt is turned over to a collection agency.

Can Medical Bills Be Sent To Collections If You Are Making Payments?

Even if you are making payments on medical debt, it can still be turned over to collections. Making small or late payments can get your bill handed to a collection agency.

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Accurate as of March 1st, 2022

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