Medical Debt & Credit Reports in New Jersey
State ban recorded. New Jersey has a medical-debt credit-reporting ban recorded from 2024. The Louisa Carman Medical Debt Relief Act (SB 2806) restricts reporting; federal-preemption enforceability is contested.
Last updated: October 23, 2026
New Jersey status
- Protection status
- State ban recorded
- Law year
- 2024
The Louisa Carman Medical Debt Relief Act (SB 2806) restricts reporting; federal-preemption enforceability is contested.
Will this medical debt show?
Open the checker with New Jersey selected, then enter the amount, payment status, and months delinquent.
CHECK A DEBT IN NJ →Why the state protection is contested
CDIA v. Paxton, 2026 WL 2322668 (W.D. Tex. Aug. 10, 2026), held that the FCRA preempted a state medical-debt reporting ban. A CFPB interpretive rule published October 28, 2025 also supports preemption. Whether New Jersey's protection is enforceable may be litigated, although credit bureaus may still honor it voluntarily.
The federal floor for New Jersey residents
These nationwide bureau policies apply before the checker reaches the state layer. They protect residents even when no separate statewide ban appears in the reviewed data.
What residents can check next
- Get all three reports. Use AnnualCreditReport.com and note which bureau, if any, displays the account.
- Compare the entry with your records. Check whether it is paid, below $500, still inside the 12-month grace period, or covered by the state record above.
- Dispute inaccurate reporting separately. Send the relevant documents to each bureau displaying the item and preserve its response.
- Ask the provider about charity care. Request the written financial-assistance policy and keep any application or decision with the billing records.