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Here are some points to consider regarding the impact of medical debt default on the patient’s credit scores: Reporting to Credit Bureaus : When a medical debt goes unpaid for an extended period, the healthcare provider may send the account to a collectionagency. This is known as “pay for delete”.
FDCPA ( Fair Debt Collection Practices Act). The Fair Debt Collection Practices Act (FDCPA) is a federal law that restricts the behavior of collectionagencies when they are attempting to collect money from individuals. The law does not apply to collecting from businesses. CreditCounselor.
Credit Counseling Immediate credit impact: None expected Long-term credit impact : None expected A creditcounselor is a professional adviser who helps you manage and repay your debt. Counselors may offer free or low-cost consultations and educational materials.
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