# Maine — State limits on medical debt interest, garnishment and lawsuits

For Maine, statute is §11013; interest rate cap is Notwithstanding paragraph A, charging any interest on debt that the debt collector knows is medical debt;; notes is a debt collector may not collect or attempt to collect a debt for medical expenses against a consumer who has been determined to be qualified for charity care under Title 22, section 1716‑A or against a consumer who would have been determined to be qualified for charity care under Title 22, section 1716‑A but did not apply for good cause, verified against its source on 2026-08-31.

- **State:** Maine _(our reading, not quoted from the source)_
- **Statute:** §11013 _(verified: appears in the quote below)_
- **Interest rate cap:** Notwithstanding paragraph A, charging any interest on debt that the debt collector knows is medical debt; _(verified: appears in its own passage below)_
- **Notes:** a debt collector may not collect or attempt to collect a debt for medical expenses against a consumer who has been determined to be qualified for charity care under Title 22, section 1716‑A or against a consumer who would have been determined to be qualified for charity care under Title 22, section 1716‑A but did not apply for good cause. _(verified: appears in its own passage below)_

## What the source says

> §11013. Prohibited practices (CONTAINS TEXT WITH VARYING EFFECTIVE DATES)

## Where each value comes from

This source states these in separate places, so each value is shown with the passage that states it.

### Interest rate cap

> O. Notwithstanding paragraph A, charging any interest on debt that the debt collector knows is medical debt; [PL 2023, c. 663, §9 (NEW).]

### Notes

> 11. (TEXT EFFECTIVE 7/01/26) Collection action prohibited on debt from medical expenses if eligible for charity care. If a debt collector has been notified, orally or in writing, by a creditor or the consumer of the consumer's actual or potential qualification for charity care under Title 22, section 1716‑A , a debt collector may not collect or attempt to collect a debt for medical expenses against a consumer who has been determined to be qualified for charity care under Title 22, section 1716‑A or against a consumer who would have been determined to be qualified for charity care under Title 22, section 1716‑A but did not apply for good cause.

## Source

- https://legislature.maine.gov/statutes/32/title32sec11013.html

Last verified: 2026-08-31. Review by: 2026-12-29.
Part of [State limits on medical debt interest, garnishment and lawsuits](https://referencesource.org/medical-debt-collection-restrictions-by-state/).