MT HB273

Prohibits wage garnishment, liens on primary residences, foreclosure, arrest threats, and credit reporting as collection methods for medical debt

Requires a 120-day waiting period after the first bill before health care providers can take extraordinary collection actions such as selling debt, filing lawsuits, or placing liens on bank accounts

Mandates 30 days advance written notice to patients before initiating any extraordinary collection action

Suspends collection activities when a patient has an insurance appeal pending or resolved within the previous 180 days

Protects up to $3,000 in bank accounts, savings, stocks, and bonds from seizure for medical debt collection, with the act applying to collection actions on or after October 1, 2025