How long does a creditor have to send a bill? I just received a bill for care given almost 4 years ago.
Get Legal Help Today
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
How long does a creditor have to send a bill? I just received a bill for care given almost 4 years ago.
I just received a bill for chiropractic care given between 3-4 years ago. I am being billed for everything including what my insurance would have covered. About 2 years ago my employer switched insurance companies. Am I liable to pay for what my insurance would have covered when it took them almost 4 years to get me the bill?
Asked on June 8, 2012 under Bankruptcy Law, Minnesota
Answers:
SJZ, Member, New York Bar / FreeAdvice Contributing Attorney
Answered 11 years ago | Contributor
The chiropractic care was provided pursuant to a contract or agreement (probably a written one, but possibly oral) to provide said services. In your state, the statue of limitations (SOL), or time to sue for breach of contract, is 6 years; that means that you may be billed, and they may take collections action (including a lawsuit) against you up to 6 years later; therefore, if the care was provided 3 - 4 years ago, they should still be within the SOL and could bill and/or sue you.
You may, however, still be able to recover the insurer's portion from your insurer at the time, since the debt arose while you were covered under their policy.
IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.