{"id":4174,"date":"2019-05-21T09:09:00","date_gmt":"2019-05-21T13:09:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/merkley-senators-introduce-legislation-to-restore-patients-credit-opportunities-2019\/"},"modified":"2023-07-24T11:07:45","modified_gmt":"2023-07-24T15:07:45","slug":"merkley-senators-introduce-legislation-to-restore-patients-credit-opportunities-2019","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/merkley-senators-introduce-legislation-to-restore-patients-credit-opportunities-2019\/","title":{"rendered":"Merkley y los senadores presentan legislaci\u00f3n para restaurar las oportunidades crediticias de los pacientes"},"content":{"rendered":"

WASHINGTON, DC \u2013 El Senador de Oreg\u00f3n Jeff Merkley present\u00f3 hoy una legislaci\u00f3n, la Ley de alivio de la deuda m\u00e9dica de 2019<\/i>, para asegurarse de que los puntajes crediticios de los estadounidenses no se arruinen simplemente porque tuvieron la desgracia de necesitar atenci\u00f3n m\u00e9dica costosa.<\/p>\n

El Ley de alivio de la deuda m\u00e9dica<\/i> est\u00e1 copatrocinado por los senadores Richard Blumenthal (D-CT), Elizabeth Warren (D-MA), Bob Menendez (D-NJ) y Dick Durbin (D-IL).<\/p>\n

\n

\u201cPasar por un evento m\u00e9dico intenso es lo suficientemente estresante\u201d, dijo Merkley.<\/b> \u201cLo \u00faltimo que necesitan las familias en recuperaci\u00f3n es ser castigadas financieramente durante a\u00f1os, lo que les dificulta a\u00fan m\u00e1s volver a ponerse de pie. Es hora de que el Congreso ayude a las decenas de millones de estadounidenses que han pagado su deuda m\u00e9dica restaurando sus oportunidades de cr\u00e9dito\u201d.<\/p>\n

\u201cLos desaf\u00edos m\u00e9dicos no deber\u00edan infectar fatalmente la salud financiera. Los estadounidenses que sufren lesiones o enfermedades deben tener la libertad de concentrarse en su recuperaci\u00f3n, sin distracciones financieras\u201d. dijo Blumenthal.<\/b> \u201cLa deuda m\u00e9dica no es lo mismo que la deuda de la tarjeta de cr\u00e9dito: lesionarse o enfermarse no deber\u00eda impedir permanentemente que un estadounidense compre una casa o un autom\u00f3vil\u201d.<\/p>\n

\u201cDemasiadas familias est\u00e1n a un mal diagn\u00f3stico de la ruina financiera\u201d, dijo Warren.<\/b> \u201cLa Ley de alivio de la deuda m\u00e9dica proteger\u00eda a los estadounidenses que necesitan atenci\u00f3n m\u00e9dica de sufrir da\u00f1os a largo plazo en su cr\u00e9dito y futuro financiero\u201d.<\/p>\n

"Toda la planificaci\u00f3n financiera del mundo no puede preparar a una familia para una emergencia m\u00e9dica repentina o una enfermedad imprevista, y las facturas que las acompa\u00f1an". dijo Men\u00e9ndez.<\/b> \u201cY a estos consumidores no se les debe negar el cr\u00e9dito ni verse obligados a desembolsar m\u00e1s dinero en pagos de intereses solo porque se enfermaron o lesionaron. No es justo. Y tenemos que arreglarlo. Estamos introduciendo la Ley de Alivio de Deudas M\u00e9dicas para evitar que las deudas m\u00e9dicas contin\u00faen da\u00f1ando los puntajes de cr\u00e9dito de los consumidores, incluso despu\u00e9s de que se hayan pagado o liquidado\u201d.<\/p>\n

\u201cLas facturas m\u00e9dicas llevan a la bancarrota a los estadounidenses todos los d\u00edas, muchas de las cuales provienen de emergencias, enfermedades o tratamientos inesperados. No es justo que las personas vean da\u00f1ados sus puntajes de cr\u00e9dito debido a circunstancias m\u00e9dicas imprevistas, y nuestro proyecto de ley les brinda a las personas m\u00e1s espacio para la recuperaci\u00f3n para que estas situaciones m\u00e9dicas no resulten en la ruina financiera\u201d. dijo Durbin.<\/b><\/p>\n<\/blockquote>\n

Uno de cada seis estadounidenses<\/a> tiene una factura de atenci\u00f3n m\u00e9dica vencida en su informe de cr\u00e9dito, y la deuda m\u00e9dica es la raz\u00f3n n\u00famero uno por la cual los estadounidenses se declaran en bancarrota. A menudo, la deuda m\u00e9dica puede ser una carga financiera significativa que, a diferencia de la deuda de tarjetas de cr\u00e9dito o los pr\u00e9stamos que los consumidores aceptan voluntariamente, es el resultado de un accidente inesperado o una enfermedad fuera del control del consumidor.<\/p>\n

Muchos consumidores no se dan cuenta de que las deudas m\u00e9dicas pueden causar da\u00f1os significativos a largo plazo en sus puntajes de cr\u00e9dito. Pero una vez que las facturas m\u00e9dicas impagas se asignan a los cobros, resultan en marcas despectivas que marcan los puntajes crediticios durante a\u00f1os.<\/p>\n

C\u00f3mo Ley de alivio de la deuda m\u00e9dica<\/i> Obras<\/span><\/p>\n

Esta legislaci\u00f3n aplazar\u00eda las marcas derogatorias en los puntajes de cr\u00e9dito para el cobro de deudas m\u00e9dicas por un a\u00f1o, dando a los pacientes tiempo para pagar sus facturas m\u00e9dicas antes de que sus registros se vean afectados. Durante este per\u00edodo de un a\u00f1o, un consumidor puede comunicarse con una compa\u00f1\u00eda de seguros para determinar la cobertura de la deuda y solicitar asistencia financiera. adem\u00e1s, el Ley de alivio de la deuda m\u00e9dica<\/i> prohibir\u00e1 a las agencias de informes del consumidor informar la deuda m\u00e9dica de una persona durante un a\u00f1o. Eso significa que los consumidores tendr\u00e1n un a\u00f1o para liquidar o pagar las deudas m\u00e9dicas sin informar la deuda a una agencia de informes.<\/p>\n

El Ley de alivio de la deuda m\u00e9dica<\/i> tambi\u00e9n requiere que todas las deudas m\u00e9dicas pagadas o resueltas se eliminen de los informes de cr\u00e9dito y puntajes de cr\u00e9dito de los consumidores, asegurando que los consumidores afectados por gastos m\u00e9dicos dif\u00edciles no se vean perseguidos por su deuda m\u00e9dica durante a\u00f1os despu\u00e9s de haber sido pagada.<\/p>\n

Esta legislaci\u00f3n tambi\u00e9n cuenta con el respaldo del Centro Nacional de Derecho del Consumidor (NCLC) y la Fundaci\u00f3n Nacional de Defensa del Paciente (NPAF).<\/p>\n

El texto completo de la Ley de alivio de la deuda m\u00e9dica<\/i> est\u00e1 disponible aqu\u00ed<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"

WASHINGTON, D.C. – Oregon’s Senator Jeff Merkley today introduced legislation, the Medical Debt Relief Act of 2019, to make sure Americans’ credit scores are not left in ruin simply because they had the misfortune of needing costly medical care. 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