Expired Medical Debt Collection

Summary

Medical debt older than four to six years in new mexico is usually time-barred, preventing legal collection actions. Wage garnishment needs a court order. Verify debt collection calls and consult a local attorney for advice.

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I have past due medical bills from over 10 years ago. I live in the state of New Mexico and I was contacted by someone stating they would garnish my wages or I can settle my debt for *,* dollars? Is it a scam or is this a legal action they can take?
In New Mexico, the statute of limitations for collecting medical debt is typically four to six years. After this period, the debt is considered "time-barred," and they cannot legally sue you to collect it. However, wage garnishment can only occur with a court order. It might be wise to verify the legitimacy of the caller. Have you received any court documents regarding this debt?
I have not
Since you haven't received any court documents, it's possible that the call might be a scam. Here are a few steps you can take:
- Verify the legitimacy of the caller. Ask for written validation of the debt.
- Check your credit report for any updates on the debt.
- Consult with a local attorney to explore your options and ensure your rights are protected.
Would you like more information on how to handle debt collectors?
No, thank you for your help
It sounds like you've got a handle on the situation. If you need any further assistance or have more questions in the future, feel free to reach out. Take care!