PRIA Logo™
MarylandSB 03492025 Regular SessionSenate

Medical Debt - Complaints for Money Judgment and Real Property Liens

Sponsored By: Sara Love (Democratic)

Signed by Governor

Real PropertyCivil Actions and ProceduresAgents and BrokersCircuit CourtsContracts -see also- ProcurementCourts -see also- AppCt; Circuit; District; Orphans'; etc.DamagesDebt Collection -see also- Attachments and GarnishmentsDebt ManagementHealth -see also- COVID19; EnvHlth; MedCon; etc.JudgmentsLiensMedical Equipment and DevicesMedical TreatmentsResidential Property -see also- Apartments; Condominiums

Personalized for You

How does this bill affect your finances?

Personalize government policy and PRIA will tell you what this bill means for your household, plus every other piece of legislation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.

Free to download

Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

Homeowners gain medical debt lien protection

Beginning October 1, 2025, Maryland bans liens created by contract or contract breach to collect medical debt against owner-occupied homes. A home qualifies when an owner uses at least one unit as their primary residence. Courts must remove liens that break this rule, but the debt is not canceled. Covered debt is owed to businesses mainly providing medical services, products, or devices, or their agents or debt buyers. Credit-card debt counts only when the card plan is solely for health care. Money-judgment complaints must identify whether the debt is medical and, if so, include the defendant’s primary-home address. The law does not affect complaints filed before October 1, 2025.

Sponsors & Cosponsors

Sponsor

  • Sara Love

    Democratic • Senate

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

All Roll Calls

Yes: 186 • No: 0

House vote • 4/2/2025

Third Reading Passed

Yes: 139 • No: 0

Senate vote • 3/12/2025

Third Reading Passed

Yes: 47 • No: 0

Actions Timeline

  1. Approved by the Governor - Chapter 497

    5/13/2025

  2. Returned Passed

    4/3/2025Senate

  3. Third Reading Passed (139-0)

    4/2/2025House

  4. Favorable Adopted Second Reading Passed

    4/1/2025House

  5. Favorable Report by Health and Government Operations

    4/1/2025House

  6. Hearing 3/19 at 2:15 p.m.

    3/19/2025House

  7. Hearing canceled

    3/19/2025House

  8. Hearing 3/19 at 2:30 p.m.

    3/15/2025House

  9. Hearing canceled

    3/15/2025House

  10. Hearing 3/19 at 1:00 p.m.

    3/13/2025House

  11. Referred Health and Government Operations

    3/13/2025House

  12. Third Reading Passed (47-0)

    3/12/2025Senate

  13. Second Reading Passed with Amendments

    3/12/2025Senate

  14. Favorable with Amendments {403224/1 Adopted

    3/12/2025Senate

  15. Favorable with Amendments Report by Judicial Proceedings

    3/12/2025Senate

  16. Hearing 1/29 at 11:00 a.m.

    1/20/2025Senate

  17. First Reading Judicial Proceedings

    1/16/2025Senate

Bill Text

  • Enacted

    5/13/2025

    PDF

  • Third Reading

    3/12/2025

    PDF

  • First Reading

    1/16/2025

    PDF

Related Bills

Back to State Legislation