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H.R. 3421, The Medical Debt Relief Act of 2009 (20 comments ↓ | 5 wiki edits: view article ↓)

  • This item is from the 111th Congress (2009-2010) and is no longer current. Comments, voting, and wiki editing have been disabled, and the cost/savings estimate has been frozen.

H.R. 3421 would exclude from consumer credit reports medical debt that has been in collection and has been fully paid or settled.

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Visitor Comments Comments Feed for This Bill

TIM

November 11, 2009, 5:55pm (report abuse)

I am sure to buy a home as soon as this bill passes. Lets pray it does.

rhenen

March 21, 2010, 4:13pm (report abuse)

We are at the mercy of 3 numbers that dictate our financial future.

I too have a paid medical on my credit report which has lowered my credit score by 100 points. If we are unable to obtain a fair interest rate on credit, how are we to stimulate the economy ? Please speed up the process of passing this bill.

hilversum

(logged-in user) March 21, 2010, 4:16pm (report abuse)

We are at the mercy of 3 numbers that dictate our financial future.

I too have a paid medical on my credit report which has lowered my credit score by 100 points. If we are unable to obtain a fair interest rate on credit, how are we to stimulate the economy ? Please speed up the process of passing this bill.

Kempster

March 30, 2010, 1:38am (report abuse)

"Health care is a business unlike most others. The customers are, by definition, in a

vulnerable position by virtue of the medical problem for which they seek services. The

providers of these services differ from sellers in most other markets because their product is

essential and often life saving, and is governed by ethical responsibilities that exceed those

that apply in typical commercial transactions. Purchases are often sudden and unplanned

and, particularly for people without health insurance, may bring large financial burdens

that are involuntary in the sense that they are not the result of a traditional consumer

choice."

PLEASE PASS THIS BILL!

lacey

June 22, 2010, 12:25pm (report abuse)

this bill would stimulate old medical bill payments to providers - ppl who are stuck and frustrated would pay to get them removed from credit reports - improved credit reports=more activity & spending=growth of businesses

AMK

June 28, 2010, 2:38pm (report abuse)

I don't know why this wasn't done sooner, what other motiviation does a creditor have than to be paid in full,if they remove the debt. Medical debts have been notorious for having man clerical erros not to mention overcharging insurance companies and patients...its about time we stopped penalizing the patients for incidents beyond their control.

Megan

July 19, 2010, 9:50pm (report abuse)

Please pass this bill! Medical debt is not at all like credit card or other spending debt. Patients often don't have the choice to seek healthcare and are not able to negotiate rates or reasonable payment plans.

Debts

July 20, 2010, 4:38pm (report abuse)

Everyone is in the same boat, no big deal, go to a Bankruptcy attorney, pay them to file for you, get the file number and tell all your creditors you have filed , they will give you a number to give them, then they can not call you anymore, you can keep your main transportation and your home.

But it will wipe out any type of loan, even payday loans, do not run up any more credit cards because in some cases you might have to pay them back, but if this is debt you have owe for awhile they can make it magically disappear. you can rebuild your credit later, more sensibility.

=======================

Debts

Williamsjohn333

williamsjohn333

(logged-in user) July 20, 2010, 4:45pm (report abuse)

Everyone is in the same boat, no big deal, go to a Bankruptcy attorney, pay them to file for you, get the file number and tell all your creditors you have filed , they will give you a number to give them, then they can not call you anymore, you can keep your main transportation and your home.

But it will wipe out any type of loan, even payday loans, do not run up any more credit cards because in some cases you might have to pay them back, but if this is debt you have owe for awhile they can make it magically disappear. you can rebuild your credit later, more sensibility.

Debts

johnnyreb

August 30, 2010, 2:12pm (report abuse)

If I make a debt. I pay it off. I have done without to pay my bills--but I have learned--if I see something I like and want. I make sure I have the money and will not go into debt buying it. Credit is the last thing a peron needs for NON-ESSENTIAL TOYS.Most people are in debt--because the want to keep up with the Jonese. They do not know how to handle money.

rdoactv

September 30, 2010, 10:37am (report abuse)

Medical debt is different than any other debt we choose to take on. It may strike when we have no ability to pay. By deletion after paying, it motivates those to do so when able. Credit is not easily rebuildable with these paid debts lingering. 7 years is a long penalty for something incurred out of your control.

H & I Credit Solutions

December 7, 2010, 12:38pm (report abuse)

Why is this bill taking so long to get passed?

We as consumers need protection against medical debt. We can not be held down by Health Care and let it ruin our futures.

This is unacceptable.

PASS THIS BILL!!!

LarryDM

(logged-in user) December 9, 2010, 11:36pm (report abuse)

Not a chance for this one. And a good thing too. Bunch of no-paying welchers.

Really??

December 13, 2010, 1:23pm (report abuse)

I pay my credit cards in full every month, my car is paid off, and I my mortgage has always been current - my credit is excellent...except for 3 medical bills that the insurance company paid late after a surgery. All 3 were turned over to collections and paid by the insurance company but the hospital/collection agency refuse to remove them from the credit report. So LarryDM...we are not a bunch of no-paying welchers. This only removes PAID items from the credit report. These 3 collections for a single surgery brought my score down over 100 points.

@Really??

December 20, 2010, 11:57pm (report abuse)

YOUR bill was not paid on time. It is YOUR responsibility, regardless of insurance coverage, to pay YOUR bills on time. Now you want to blame someone else for YOUR lack of responsibility.

This bill serves no good purpose.

Vote No!

Sick of Medical Bills

December 30, 2010, 1:12am (report abuse)

I don't understand why anyone would be against this, except maybe collection agencies as they would lose some of their power to destroy someones credit & sometimes life, for a long period of time. Mistakes happen, so why not give the person an opportunity to pay it off & remove the negative credit. Provider is getting his money, seems like a win-win situation to me. Trying to figure out what is owed on a medical bill is a lot more complicated than a well defined monthly loan or credit card payment, especially one that has multiple kids on it like I have to deal with. Its a nightmare trying to understand what insurance has covered, what is still in process & what is actually owed when they just list total amount due. Unfortunately, I don't have extra money to send to them & then wait for them to send it back once insurance has paid. Lets get this bill passed!!

@Sick of Medical Bills

December 30, 2010, 11:46am (report abuse)

Sorry but this one died.

And just for the sake of discussion, just why should a provider be forced to wait for their payment?

And if you can't figure out your bills perhaps you shouldn't have had any offspring. Sure hope that particular genetic problem didn't get passed down.

Boy people can be cold hearted

December 30, 2010, 12:28pm (report abuse)

I don't think for all people it is a matter of figuring bills out. I have 3 children, 2 of whom were recently diagnosed with a rare genetic disease. I have unpaid medical bills and the hospital refused to accept my payment unless it was in full. I tried to arrange payments and they refused. I get no child support and work full time. I can't help that my children were diagnosed with a rare genetic disease. Their treatments are IV's every other week that cost $20,000 for each of them. Without treatment they will suffer and eventually die. I have insurance, but get stuck paying the deductible, every year. Put yourself in my place, or any other persons that has a medical disaster and try saying figure out your bills or that someone shouldn't have had offspring.....How heartless and cold!!!!! Maybe if more people cared about more than just themselves our society and economy would be in a better position today........

@@Sick of Medical Bills

January 3, 2011, 8:30pm (report abuse)

Where did you hear that this one died? From everything I have heard/read it is still in committee both as S. 3419 and again as the passed House version H.R. 3419.

Does anyone else have updates that I am not aware of?

Jayne Carruthers

January 21, 2011, 1:59am (report abuse)

This bill never became law. At the end of this Congress it was cleared from the books. Push for Members to reintroduce this bill under a new number in the this next session. Keep fighting the good fight!

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