{"id":6395,"date":"2012-03-02T16:02:00","date_gmt":"2012-03-02T21:02:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/merkley-reintroduces-bill-to-provide-relief-to-americans-struggling-with-medical-debt\/"},"modified":"2023-07-24T11:10:48","modified_gmt":"2023-07-24T15:10:48","slug":"merkley-reintroduces-bill-to-provide-relief-to-americans-struggling-with-medical-debt","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/merkley-reintroduces-bill-to-provide-relief-to-americans-struggling-with-medical-debt\/","title":{"rendered":"Merkley reintroduce un proyecto de ley para brindar alivio a los estadounidenses que luchan con la deuda m\u00e9dica"},"content":{"rendered":"<p><strong>Washington DC<\/strong> \u2013El senador de Oregon, Jeff Merkley, reintrodujo ayer una legislaci\u00f3n que prohibir\u00e1 a las empresas utilizar deudas m\u00e9dicas pagadas o saldadas para evaluar las calificaciones crediticias del consumidor. La Ley de Responsabilidad de la Deuda M\u00e9dica ayudar\u00e1 a aproximadamente 72 millones de estadounidenses afectados por problemas de facturas m\u00e9dicas y deudas m\u00e9dicas.<strong><\/strong><\/p>\n<blockquote>\n<p>&quot;La deuda m\u00e9dica no es un gran predictor de la solvencia crediticia de una persona, y las personas no deber\u00edan verse impedidas de obtener pr\u00e9stamos para iniciar negocios o comprar la casa de sus sue\u00f1os porque se enfermaron gravemente&quot;, dijo Merkley. &quot;No podemos ver el futuro para planificar con anticipaci\u00f3n las emergencias m\u00e9dicas, pero podemos evitar que da\u00f1en las calificaciones crediticias de nuestras familias trabajadoras durante a\u00f1os en el futuro&quot;.<\/p>\n<\/blockquote>\n<blockquote>\n<p>&quot;Las facturas de deudas m\u00e9dicas no resueltas, incluidas las facturas atrapadas en la burocracia del seguro que ni siquiera han sido recibidas por el consumidor, a menudo se entregan a las agencias de informes crediticios y pueden afectar negativamente las calificaciones crediticias de los consumidores durante a\u00f1os&quot;, dijo el Senador Dick Durbin (D-IL ). \u201cIncluso una vez que las deudas se hayan pagado en su totalidad, las calificaciones crediticias a\u00fan pueden verse afectadas. 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. Nuestra legislaci\u00f3n ayudar\u00e1 a poner fin a esta pr\u00e1ctica desleal\u201d.<\/p>\n<\/blockquote>\n<p>Actualmente, incluso los cobros de deudas m\u00e9dicas que se han pagado o liquidado por completo pueden da\u00f1ar significativamente el puntaje crediticio de un consumidor durante a\u00f1os. Como resultado, a los consumidores se les puede negar cr\u00e9dito o pagar tasas de inter\u00e9s m\u00e1s altas al comprar una casa u obtener una tarjeta de cr\u00e9dito. Debido a que muchas facturas m\u00e9dicas se env\u00edan primero a las compa\u00f1\u00edas de seguros, los consumidores a menudo no se enteran de que son responsables de una factura m\u00e9dica hasta que reciben noticias de una agencia de cobros, momento en el cual su puntaje crediticio ya se ha visto afectado.<\/p>\n<p>La Ley de Responsabilidad de la Deuda M\u00e9dica solucionar\u00e1 esta desigualdad prohibiendo 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<p>Junto con Durbin, el proyecto de ley est\u00e1 copatrocinado por los senadores Sherrod Brown (D-OH), Chuck Schumer (D-NY), Tom Harkin (D-IA) y Bob Men\u00e9ndez (D-NJ) y respaldado por la Uni\u00f3n de Consumidores.<\/p>\n<p align=\"center\">###<\/p>","protected":false},"excerpt":{"rendered":"<p>Washington, D.C. &ndash;Oregon&rsquo;s Senator Jeff Merkley reintroduced legislation yesterday that will prohibit companies from using paid off or settled medical debt in assessing consumer credit scores.&nbsp; The Medical Debt Responsibility Act will assist approximately 72 million Americans affected by medical bill problems and medical debt. &ldquo;Medical debt is not a great predictor of a person&rsquo;s [&hellip;]<\/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-6395","post","type-post","status-publish","format-standard","hentry","category-press-releases","tag-health-care","tag-protecting-consumers-taxpayers-and-the-economy"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Merkley Reintroduces Bill to Provide Relief to Americans Struggling with Medical Debt - Merkley<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.merkley.senate.gov\/es\/merkley-reintroduces-bill-to-provide-relief-to-americans-struggling-with-medical-debt\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Merkley Reintroduces Bill to Provide Relief to Americans Struggling with Medical Debt - Merkley\" \/>\n<meta property=\"og:description\" content=\"Washington, D.C. &ndash;Oregon&rsquo;s Senator Jeff Merkley reintroduced legislation yesterday that will prohibit companies from using paid off or settled medical debt in assessing consumer credit scores.&nbsp; The Medical Debt Responsibility Act will assist approximately 72 million Americans affected by medical bill problems and medical debt. &ldquo;Medical debt is not a great predictor of a person&rsquo;s [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.merkley.senate.gov\/es\/merkley-reintroduces-bill-to-provide-relief-to-americans-struggling-with-medical-debt\/\" \/>\n<meta property=\"og:site_name\" content=\"Merkley\" \/>\n<meta property=\"article:published_time\" content=\"2012-03-02T21:02:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-24T15:10:48+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-reintroduces-bill-to-provide-relief-to-americans-struggling-with-medical-debt\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-reintroduces-bill-to-provide-relief-to-americans-struggling-with-medical-debt\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Merkley Reintroduces Bill to Provide Relief to Americans Struggling with Medical Debt\",\"datePublished\":\"2012-03-02T21:02:00+00:00\",\"dateModified\":\"2023-07-24T15:10:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-reintroduces-bill-to-provide-relief-to-americans-struggling-with-medical-debt\/\"},\"wordCount\":414,\"keywords\":[\"Health Care\",\"Protecting Consumers, Taxpayers, and the Economy\"],\"articleSection\":[\"Press Releases\"],\"inLanguage\":\"es-MX\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-reintroduces-bill-to-provide-relief-to-americans-struggling-with-medical-debt\/\",\"url\":\"https:\/\/www.merkley.senate.gov\/merkley-reintroduces-bill-to-provide-relief-to-americans-struggling-with-medical-debt\/\",\"name\":\"Merkley Reintroduces Bill to Provide Relief to Americans Struggling with Medical Debt - Merkley\",\"isPartOf\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/#website\"},\"datePublished\":\"2012-03-02T21:02:00+00:00\",\"dateModified\":\"2023-07-24T15:10:48+00:00\",\"author\":{\"@id\":\"\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-reintroduces-bill-to-provide-relief-to-americans-struggling-with-medical-debt\/#breadcrumb\"},\"inLanguage\":\"es-MX\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.merkley.senate.gov\/merkley-reintroduces-bill-to-provide-relief-to-americans-struggling-with-medical-debt\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-reintroduces-bill-to-provide-relief-to-americans-struggling-with-medical-debt\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.merkley.senate.gov\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Merkley Reintroduces Bill to Provide Relief to Americans Struggling with Medical Debt\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.merkley.senate.gov\/#website\",\"url\":\"https:\/\/www.merkley.senate.gov\/\",\"name\":\"Merkley\",\"description\":\"Merkley\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.merkley.senate.gov\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es-MX\"},{\"@type\":\"Person\",\"@id\":\"\",\"url\":\"https:\/\/www.merkley.senate.gov\/es\/author\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Merkley Reintroduces Bill to Provide Relief to Americans Struggling with Medical Debt - Merkley","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.merkley.senate.gov\/es\/merkley-reintroduces-bill-to-provide-relief-to-americans-struggling-with-medical-debt\/","og_locale":"es_MX","og_type":"article","og_title":"Merkley Reintroduces Bill to Provide Relief to Americans Struggling with Medical Debt - Merkley","og_description":"Washington, D.C. &ndash;Oregon&rsquo;s Senator Jeff Merkley reintroduced legislation yesterday that will prohibit companies from using paid off or settled medical debt in assessing consumer credit scores.&nbsp; 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