S 1581
Medical Debt Relief Act of 2019
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Bill overview
The Medical Debt Relief Act of 2019 aims to protect consumers’ credit scores by delaying the reporting of medical debt. Specifically, it requires a one-year waiting period before medical debt is added to a credit report, and it removes paid-off or settled medical debts after 45 days from the payment date. The bill also changes how debt collectors must notify consumers about medical debt reporting and limits communication with credit reporting agencies during the waiting period.
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