Every state has laws that limit how long a creditor has to pursue a debtor who has not repaid a debt, known as statutes of limitations. In Ohio, the states statutes of limitations have different time limits that apply to medical debts, based on how the debt was incurred. If you need legal advice about your medical debts in Ohio you should talk to an Ohio attorney.
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Statute of Limitations Generally
A statute of limitations is a law that limits the length of time a creditor has to collect on an unpaid debt. These laws establish a "ticking clock" that starts counting down once a debtor falls into default. For example, if you go to an eye doctor and agree to pay her fees in 12 monthly payments, the statute of limitations clock starts counting down once you miss your first payment. Unless the eye doctor sues you before this clock reaches zero, she will be prevented from doing so afterward.
There are two statutes of limitations that could apply to medical debts in Ohio. Ohio Revised Code section 2305.06 states that any action based on a written contract must be brought within 15 years from the date of the cause of action. Medical debts, in general, are considered written contracts. This means that your medical provider has 15 years from the date in which you default on the repayment terms -- the cause of action -- in which to sue you for recovery of the debt.
However, some medical bills may be incurred under a non-written contract. Oral agreements, promises or implied contracts can also be used in receiving medical treatment. In these situations, Ohio Revised Code section 2305.07 states that the medical provider has six years in which to bring an action once you fail to pay. This is significantly less than the 15 years available under written contracts, though oral or express contracts are much less commonly used.
Resetting the Clock
So what happens if you have medical debt, miss a few payments, and then start paying it back again? Can you simply wait 15 years from the time when you missed a payment and then claim that the debt is no longer collectible? Generally, no. Ohio Revised Code section 2305.08 states that once a partial payment, written acknowledgement or promise to pay is made, the clock essentially resets itself and begins anew. In other words, each payment you make resets the clock no matter how much time had expired before then.