Medical Debt Toolbox

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Collection Actions

9.1.1 The Problem of Medical Debt
9.1.2 Aggressive Debt Collection
9.1.4 Practical Solutions for Medical Debt
9.1.5 Determining the Extent of a Consumer’s Medical Debt
9.2.1 Applicability of FDCPA to Medical Debt
 9.2.3 Limited CFPB Supervision over Medical Debt Collectors
9.2.4 Examples of FDCPA Violations by Debt Collectors Collecting Medical Bills
9.3.1.2 Coverage of ACA Medical Debt Provisions
9.3.4 Emergency Medical Treatment and Active Labor Act (EMTALA)
9.3.5 Debt Collection and Privacy of Medical Information
9.3.6.1 Impact of Medical Debt on Credit Reports
9.3.6.2 Limits on Reporting of Medical Debt
9.3.6.3 Right to Dispute Erroneous Medical Debt Reporting
9.3.6.4 Limits on Reporting Agencies Furnishing Medical Information
9.3.9 Military Medical Debt
9.4.1 State Remedies for Medical Debt Collection Abuses
9.4.2.4 Other UDAP Claims Related to Medical Debt
9.4.4.1 Pitfalls of Medical Debt Converted to Credit Card or Other Debt
 

Consumer Bankruptcy Law and Practice

6.2.2.4.2 Medical debts
 

Consumer Warranty Law

1.6.2.1.1 The review system for medical devices
2.2.1.4 Medical Devices
 

Credit Discrimination

2.2.2.6 Medical Treatment
 

Fair Credit Reporting

14.2.6 Dissemination of the Consumer’s Medical and Personal Information
16.8.8 Medical Debt Collection Items
5.4.1 Medical Information Definition
5.4.2 Consumer Reporting Agencies Required to Obtain Consent to Report Medical Information
5.4.3 Restrictions on Reporting the Identifying Information of Medical Information Furnishers
5.4.4 Affiliate Sharing Exception Not Applicable to Medical Information
5.4.5.1 Restrictions on Reporting Medical Debt Generally
5.4.5.2 Veteran’s Medical Debt
5.4.6.1 Creditors May Not Discriminate Against Applicants on the Basis of Medical Information
5.4.6.3 Medical Financial Information Exception
5.4.6.4 Special Purpose Credit Assistance and Medical Financing Programs
7.4.9 Impermissible Use of Medical Information

Fair Debt Collection

1.3.1.5 Race, Ethnicity, and Debt Collection
1.3.1.6 Older Americans and Debt Collection
11.8.3 Medical Conditions Arising from Debt Collection Abuses
2.6.2.2.3 Medical conditions arising from debt collection abuses
4.8.9.3 When Is a Medical Debt in Default?
7.4.13a.2 FDCPA Advisory Opinion on Deceptive and Unfair Collection of Medical Debt
7.4.13a.3 FDCPA Claims Where Medical Debt Violates the Federal No Surprises Act

Unfair and Deceptive Acts and Practices

2.3.10.4 Hospitals, Nursing Homes, Laboratories, Medical Supplies
2.5.8.4 Medical Devices
9.3.3 Other Medical Cures, Weight Loss and Personal Care Products

Surviving Debt

Correcting Your Medical Bills
Debt Collectors and Medical Debt
Limits on Credit Reporting of Medical Debt
Medical and Dental Care
Paying Medical Debt Is a Low Priority; Don’t Put It on a Credit Card

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