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Conference Materials
Medical Debt Defense 101 (2024 CRLC)
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Sample Defenses and Declaratory Relief: Medical Debt (2024 CRLC)
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NCLC, Can a Nursing Home Force a Resident's Family and Friends to Pay the Bill?
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CFPB and CMS, Notification Letter: Nursing Facility Debt Collection Practices (Sept. 8, 2022)
Intro to Fair Credit Reporting Act and Medical Lending Products (2024 CRLC)
Using the No Surprises Act to Help Patients with Surprise Medical Debt (2024 CRLC)
A1-24: ABCs of Stopping Debt Collection Harassment (2024 CRLC)
H4-24: Advanced Medical Debt Defense: Effective Defenses and Counterclaims (2024 CRLC)
Medical Debt and the FDCPA (2022 CRLC)
Treatise Content
Collection Actions
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9.2.4 Examples of FDCPA Violations by Debt Collectors Collecting Medical Bills
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9.3.4 Emergency Medical Treatment and Active Labor Act (EMTALA)
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9.3.6.4 Limits on Reporting Agencies Furnishing Medical Information
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9.4.4.1 Pitfalls of Medical Debt Converted to Credit Card or Other Debt
Consumer Bankruptcy Law and Practice
Consumer Warranty Law
Credit Discrimination
Fair Credit Reporting
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14.2.6 Dissemination of the Consumer’s Medical and Personal Information
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5.4.2 Consumer Reporting Agencies Required to Obtain Consent to Report Medical Information
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5.4.3 Restrictions on Reporting the Identifying Information of Medical Information Furnishers
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5.4.4 Affiliate Sharing Exception Not Applicable to Medical Information
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5.4.6.1 Creditors May Not Discriminate Against Applicants on the Basis of Medical Information
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5.4.6.4 Special Purpose Credit Assistance and Medical Financing Programs
Fair Debt Collection
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11.8.3 Medical Conditions Arising from Debt Collection Abuses
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2.6.2.2.3 Medical conditions arising from debt collection abuses
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7.4.13a.2 FDCPA Advisory Opinion on Deceptive and Unfair Collection of Medical Debt
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7.4.13a.3 FDCPA Claims Where Medical Debt Violates the Federal No Surprises Act
Unfair and Deceptive Acts and Practices
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2.3.10.4 Hospitals, Nursing Homes, Laboratories, Medical Supplies
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9.3.3 Other Medical Cures, Weight Loss and Personal Care Products
Surviving Debt
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Companion Materials
Pleadings and Discovery
- Order Approving Class Action Settlement re Medical Debt
- Protective Order for Consumer's Medical Information Protected by HIPAA
- U.S. Motion to Intervene in Case Involving Fraudulent Medical Billing
- Qui Tam Settlement Involving Kickbacks To Medical Provider for Dispensing Certain Drugs
- Complaint (State of Washington v. St. Joseph Medical Center, Case No. 17-2-10901-6)
- Interrogatories to Debt Buyer re Debt Collection Defense
- Interrogatories to Debt Collector re Debt Collection Defense
Primary Sources
- Model Medical Debt Protection Act (2024)
- CFPB Bulletin 2022-01: Medical Debt Collection and Consumer Reporting Requirements in Connection with the No Surprises Act
- Consumer Credit Reports: A Study of Medical and Non-Medical Collections (CFPB Report, Dec. 2014)
- CFPB Data Point: Medical Debt and Credit Scores (May 2014)
- Unhealthy Pursuits: How the Sick and Vulnerable Are Harmed by Abusive Medical Debt Collection Tactics (Dec. 2005)