Summary

1/28/2013--Introduced.Medical Debt Responsibility Act of 2013 - Amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from making any report containing information related to a... Read More

Status

This bill was introduced on Jan 28, 2013, in a previous session of Congress, but was not passed.

Bill Text

A BILL

To exclude from consumer credit reports medical debt that has been in collection and has been fully paid or settled, and for other purposes.

Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

This Act may be cited as the ``Medical Debt Responsibility Act of 2013''.

SEC. 2. FINDINGS AND PURPOSE.

(a) Findings.--Congress finds that-- (1) medical debt is unique, and Americans do not choose when accidents happen or when illness strikes; (2) medical debt collection issues affect both insured and uninsured consumers; (3) according to credit evaluators, medical debt collections are more likely to be in dispute, inconsistently reported, and of questionable value in predicting future payment performance because it is atypical and nonpredictive; (4) nevertheless, medical debt that has been completely paid off or settled can significantly damage the credit score of a consumer for years; (5) as a result, consumers may be denied credit or pay higher interest rates when buying a home or obtaining a credit card; (6) healthcare providers are increasingly turning to outside collection agencies to help secure payment from patients, coming at the expense of the consumer, because medical debts are not typically reported unless they become assigned to collections; (7) in fact, medical bills account for more than half of all non-credit related collection actions reported to consumer credit reporting agencies; (8) the issue of medical debt affects millions of consumers; (9) according to the Commonwealth Fund,...

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Sentiment Map

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Nation

71 Supporting
5 Opposing
93% 7%

State: CA

2 Supporting
2 Opposing
50% 50%

District: 1st

0 Supporting
0 Opposing
0% 0%

Popularity Trend

Organizations Supporting

No organizations supporting yet.

Organizations Opposing

No organizations opposing yet.

Users Supporting

I support The Medical Debt Responsibility Act because I was divorced after 31 years of marriage due to my husband's affair and subsequent physical abuse when I refused to agree to letting him keep his mistress and stay married. The divorce took a tremendous toll on me physically, mentally, emotionally, financially and destroyed my career. Needless to say, I incurred costs for health care issues that still plague me more than 13 years later. Owning my own home again was a pipe dream with all the collection accounts that accumulated and the late payments he made on our previous home. I found a private lender who would finance me and my current husband (he is 100% disabled) for the purchase of a modest home at 11% interest. We struggle every month and cannot get ahead enough to pay off collection items so that our credit scores will improve enough for a traditional mortgage. The HARP program is not applicable because we have a private mortgage. So help. Please give us just a little relief. Please pass this bill so at least the negative history on the bills we can pay will go away.

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TX
21
MargieC
TX-21
9 months ago

I support The Medical Debt Responsibility Act because I have personally experienced a dramatic drop in my fico score due to medical bills that I was unable to pay. I otherwise have no collections on my reports and yet I am uncreditworthy due to my own medical misfortune. This has impacted my life dramatically. I am unable to purchase a home, a vehicle or qualify for even a credit card. My family is suffering as we have no suitable housing options and thanks to the predatory nature of collection agencies no options in the foreseeable future to secure appropriate housing for my family. Please pass this act and help protect consumers. The American dream seems to be dead. Replaced by giant banks and agencies poised to rip off the tax paying American citizens.

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WA
8
Christakp
WA-8
11 months ago

I support S. 160: Medical Debt Responsibility Act of 2013 because... I see people every week who, because of illness, have seen their credit destroyed by medical collections. The truly sad thing is this: someone goes into the hospital for one (1) ailment and then gets bills from as many as ten different providers who, many times, have never attempted to collect their bill through insurance... even if the patient is insured. Thank you.

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OK
4
Americanrm
OK-4
1 year ago

I support S. 160: Medical Debt Responsibility Act of 2013 because...I was in a catostrophic vehicle accident that caused me to lose my leg, spend a month in the hospital, spend 11 months on disability. I paid all my medical bills finally after my settlement was reached and yet since some of the medical costs were passed onto debt collectors, I now am threatened with a lower credit score. I was not at fault in my accident. I was still liable for paying money out of my own pocket to cover deductibles and other medical costs. There is no reason on earth why we who have suffered should suffer further at the hands of Equifax or Transamerica for something totally out of our control. PASS THIS BILL!!!

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GA
2
Gilly
GA-2
1 year ago

I support S. 160: Medical Debt Responsibility Act of 2013 because... My perfect credit was ruined by unforeseen medical circumstances. Please help young America - this can only help the housing market to grow! Julia Norris IN-9

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IN
9
julia123n
IN-9
2 years ago

I support S. 160: Medical Debt Responsibility Act of 2013 because...I was in the process of buying a home and I underwent a pre-mortgage application only to discover I had fallen under the required 620 credit score for a FHA loan because medical bills went into collection a month prior...to my surprise! I paid the full balance of the Medical bills but my credit score didn't recover any so I can't buy a home!

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PA
6
mhammond7635
PA-6
2 years ago

Users Opposing

I oppose S. 160: Medical Debt Responsibility Act of 2013 Instead figure out why a bandage is $1000 and aspirin is $500

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CA
6
EXPOSE-CAFR
CA-6
2 years ago

I oppose S. 160 ("A bill to exclude from consumer credit reports medical debt that has been in collection") because...why would any one want to cover up their credit problems especially when you have paid them off. To me this would show how great a person is to achieve full payment even if it took several years to complete. I would rather know someone paid off long standing bills than to find out later they had them covered up. For me that would be reason to terminate someone for being untruthful.

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TN
3
DocFreeman
TN-3
2 years ago

Bill Summary

1/28/2013--Introduced.Medical Debt Responsibility Act of 2013 - Amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from making any report containing information related to a fully paid or settled medical debt that had been characterized as delinquent, charged off, or in collection which, from the date of payment or settlement, antedates the report by more than 45 days.

S. 159 Lyon County Economic Development and Conservation Act S. 161Little Shell Tribe of Chippewa Indians Restoration Act of 2013