WASHINGTON, DC \u2013 Hoy, el senador de Oreg\u00f3n, Jeff Merkley, present\u00f3 una legislaci\u00f3n para prohibir a las empresas utilizar deudas m\u00e9dicas canceladas o liquidadas al evaluar los puntajes de cr\u00e9dito del consumidor. La Ley de Responsabilidad de la Deuda M\u00e9dica, copatrocinada por los senadores Dick Durbin (D-IL), Chuck Schumer (D-NY), Tom Harkin (D-IA), Sherrod Brown (D-OH), Robert Menendez (D-NJ) y Richard Blumenthal (D-CT), podr\u00eda ayudar a hasta 75 millones de estadounidenses. <\/p>\n
\n"Los habitantes de Oregon no deber\u00edan tener que pagar m\u00e1s en su hipoteca o en su tarjeta de cr\u00e9dito simplemente porque tuvieron la mala suerte de necesitar atenci\u00f3n m\u00e9dica", dijo merkley<\/strong>. \u201cCualquiera de nosotros puede sufrir un accidente o una enfermedad imprevista. No podemos cambiar ese hecho, pero podemos cambiar la ley para que las familias trabajadoras responsables no se vean afectadas por informes crediticios injustos durante a\u00f1os despu\u00e9s de que se haya pagado la deuda m\u00e9dica\u201d. <\/p>\n<\/blockquote>\n
\n"Los habitantes de Ohio no deber\u00edan ser penalizados en sus puntajes crediticios debido a la deuda m\u00e9dica que han pagado", Marr\u00f3n<\/strong> dicho. "Nadie elige cu\u00e1ndo enfermarse o lesionarse y el puntaje crediticio de nadie deber\u00eda verse empa\u00f1ado permanentemente debido a problemas de salud temporales".<\/p>\n<\/blockquote>\n
\n"Despu\u00e9s de una enfermedad repentina o una emergencia m\u00e9dica y el costo vertiginoso de un tratamiento cr\u00edtico, lo \u00faltimo que las familias deber\u00edan tener que afrontar es una ca\u00edda en picado de su puntaje crediticio", dijo Durbin<\/strong>. \u201cPero con demasiada frecuencia las facturas de deudas m\u00e9dicas no resueltas, incluidas aquellas atrapadas en la burocracia del seguro sin culpa del consumidor, se entregan a las agencias de informes crediticios con graves consecuencias negativas para los consumidores. Esta pr\u00e1ctica da\u00f1a injustamente la puntuaci\u00f3n crediticia del consumidor durante a\u00f1os despu\u00e9s de que las deudas se hayan pagado en su totalidad. Nuestra legislaci\u00f3n restablecer\u00eda la equidad en el sistema al garantizar que los problemas de facturaci\u00f3n m\u00e9dica no se conviertan en parte del historial crediticio permanente del paciente\u201d. <\/p>\n<\/blockquote>\n
\n"Un buen puntaje crediticio es fundamental para los habitantes de Iowa que desean obtener un pr\u00e9stamo, una nueva tarjeta de cr\u00e9dito o una hipoteca, pero la deuda m\u00e9dica, incluso cuando se cancela, puede dejar una marca injusta en un informe crediticio", dijo Harkin<\/strong>. \u201cA menudo, a los consumidores se les factura incorrectamente y no saben que han quedado con una deuda m\u00e9dica. La Ley de Responsabilidad de la Deuda M\u00e9dica garantizar\u00eda que los consumidores reciban un trato justo y no sean castigados por emergencias m\u00e9dicas inesperadas\u201d. <\/p>\n<\/blockquote>\n
\n"El gasto impredecible de la deuda m\u00e9dica no deber\u00eda limitar a los consumidores a una vida de mal cr\u00e9dito", Senador Blumenthal <\/strong>dicho. "Penalizar a los consumidores por deudas m\u00e9dicas pagadas o saldadas es una pr\u00e1ctica injusta e innecesaria que debe detenerse". <\/p>\n<\/blockquote>\n
Actualmente, los cobros de deudas m\u00e9dicas pueden da\u00f1ar significativamente el puntaje crediticio de un consumidor durante a\u00f1os, incluso despu\u00e9s de que la deuda haya sido saldada o cancelada. Como resultado, a los consumidores se les puede negar cr\u00e9dito o pagar tasas de inter\u00e9s m\u00e1s altas al comprar una casa, obtener una tarjeta de cr\u00e9dito o solicitar un pr\u00e9stamo para peque\u00f1as empresas. <\/p>\n
Las facturas m\u00e9dicas se diferencian de otras facturas en varios aspectos. Las facturas a menudo se env\u00edan primero al seguro y puede llevar un tiempo considerable determinar el monto exacto que realmente adeuda el consumidor. Los consumidores deben navegar por un sistema de facturaci\u00f3n complejo y confuso y esperar las decisiones de una o m\u00e1s compa\u00f1\u00edas de seguros para saber cu\u00e1nto deben. Por esta raz\u00f3n, los consumidores a menudo no se enteran de que est\u00e1n atrasados en el pago de una factura m\u00e9dica hasta que se comunican con una agencia de cobranza, momento en el cual su puntaje crediticio ya se ha visto afectado.<\/p>\n
Adem\u00e1s, la deuda m\u00e9dica es at\u00edpica porque los consumidores tienen pocas opciones sobre si incurrir en gastos m\u00e9dicos o cu\u00e1nta deuda acumulan. Debido a esta naturaleza \u00fanica de la deuda m\u00e9dica, su valor predictivo en los informes crediticios es bajo.<\/p>\n
La Ley de Responsabilidad de la Deuda M\u00e9dica soluciona este problema al prohibir a las agencias de cr\u00e9dito al consumo utilizar cobros de deudas m\u00e9dicas liquidadas o liquidadas para evaluar la solvencia crediticia de un consumidor. Adem\u00e1s, el proyecto de ley exigir\u00e1 que el acreedor o la agencia de calificaci\u00f3n crediticia elimine la deuda m\u00e9dica del registro del consumidor dentro de los 45 d\u00edas siguientes al d\u00eda en que se cancele o liquide.<\/p>\n
La Ley de Responsabilidad de Deuda M\u00e9dica fue respaldada en el \u00faltimo Congreso por la Asociaci\u00f3n M\u00e9dica Estadounidense, la Uni\u00f3n de Consumidores, los Banqueros Hipotecarios de Estados Unidos, la NAACP y la Asociaci\u00f3n Nacional de Constructores de Viviendas.<\/p>\n
###<\/p>","protected":false},"excerpt":{"rendered":"
WASHINGTON, DC – Today, Oregon’s Senator Jeff Merkley introduced legislation to prohibit companies from using paid off or settled medical debt in assessing consumer credit scores. The Medical Debt Responsibility Act, which is cosponsored by Senators Dick Durbin (D-IL), Chuck Schumer (D-NY), Tom Harkin (D-IA), Sherrod Brown (D-OH), Robert Menendez (D-NJ) and Richard Blumenthal (D-CT), […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[24],"tags":[37,47],"class_list":["post-6272","post","type-post","status-publish","format-standard","hentry","category-press-releases","tag-health-care","tag-protecting-consumers-taxpayers-and-the-economy"],"acf":[],"yoast_head":"\n
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