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The Hospital Bill

6 Del. C. § 2507J — no medical debt on a credit report, no interest, and a payment plan capped at 5% of income

Not on a credit report. No one may report medical debt to a consumer reporting agency, and an agency may not include it in a consumer report.

  • 6 Del. C. § 2507J
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  • No interest or late fees may be charged on medical debt, whatever the agreement says, and that holds for judgments on it too.
  • Large health care facilities and medical debt collectors offer a payment plan on debts of $500 or more, with monthly payments of no more than 5% of gross monthly income.
  • No first payment is due within 30 days after the care, within 30 days after the first bill, or while the creditor is waiting on documents from the patient.
  • While an insurance appeal is pending, or was within the previous 60 days, a creditor that knows of it may not report, contact the patient to collect, or sue.
  • 6 Del. C. § 2509J
  • 6 Del. C. § 2504J
  • 6 Del. C. § 2508J

A particular bill is a question for a licensed Delaware attorney.

Sources for this section (4)
  1. 6 Del. C. § 2504J — Interest and payment plans
  2. 6 Del. C. § 2507J — Medical debt and consumer reporting agencies
  3. 6 Del. C. § 2509J — Interest on medical debt
  4. 6 Del. C. § 2508J — Prohibition against collection of medical debt during health insurance appeals

Legal information, not legal advice. Verified as of October 2026. Applying it to a particular situation is the work of a licensed Delaware attorney.

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This section is the long version of a step in one walkthrough. Each one takes the same law one decision at a time, with both sides of the moment written out.