Sell Your Medical Bills House Fast in New York

New York's hospital lien law (New York Lien Law Article 8, §189 et seq.) allows hospitals to file liens against a patient's personal injury recovery for the reasonable value of services rendered — a tort-based lien, not a direct property lien — but unpaid medical judgments in New York become property liens through the standard judgment-lien process under CPLR §5203, where a money judgment docketed with the county clerk creates a lien on all non-exempt real property the debtor owns in that county. New York's homestead exemption (CPLR §5206, up to $179,975 in high-cost counties) protects some equity from forced sale by judgment creditors including medical debt collectors, but the judgment lien still attaches to the property and must be addressed at or before closing to convey clear title. New York's Consumer Credit Fairness Act (effective April 2022) reduced the statute of limitations on consumer debt — including medical debt — from six years to three years, meaning older medical bills that were previously enforceable for longer in New York may now be time-barred, which is worth verifying before paying or negotiating a medical judgment lien. New York Medicaid Estate Recovery, governed by Social Services Law §369(4), is limited to recovering costs for institutionalized care (nursing home, intermediate care facility) from the estates of recipients aged 55 or older — New York does not pursue MERP recovery for community-based Medicaid services, which is more limited than the federal maximum, though families selling a New York estate should still verify whether any MERP claim has been filed with the estate administrator before closing.

• Cash offer within 24 hours
• Close in 7 days or on your schedule
• Buy as-is — no repairs required
• We pay all closing costs
• No agents, no commissions