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New IRS regulations, attorney general settlements, and CFPB actions offer key new protections relating to delinquent medical debt. These are all covered in the updated online version of Chapter 9 of NCLC’s Collection Actions (3d ed. 2014). Click on highlight updates at the top of a page to see the new changes added since the print edition. Highlights include:

Section 9.3.1: in-depth discussion of the recently finalized IRS regulations governing medical debt owed to nonprofit hospitals. The IRS regulations require nonprofit hospitals to screen patients for eligibility for financial assistance and restrict the use of certain "extraordinary" debt collection activities prior to this screening.

Section 9.3.5: recent developments regarding the impact of medical debt on credit reports, including credit reporting agency settlements with state attorneys general and the credit reporting agencies on treatment of medical debt, changes by FICO and VantageScore, and an important new CFPB study.

Author Name: 
Jon Sheldon
About Author: 

Jon Sheldon has been a staff attorney with NCLC for over 30 years. Jon specializes in state unfair and deceptive trade practices statutes, automobile leasing, automobile fraud, collection actions, arbitration issues, and is very much involved in the production and editing of NCLC consumer law publications. Prior to joining NCLC, he was a staff attorney with the Division of Special Projects within the Federal Trade Commission in Washington, DC. Jon is a graduate of Harvard College (1970) as well as Harvard Law School (1973). He is also admitted to the Massachusetts bar.

He is co-author of NCLC's Unfair and Deceptive Acts and Practices, Automobile Fraud, Collection Actions, Consumer Arbitration Agreements, Repossessions, and contributor to a number of other NCLC treatises.

Date Created: 
Thursday, July 30, 2015
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