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Medical Debt

By Chi Chi Wu

Federal and state consumer laws, together with defenses and counterclaims to collection actions, may protect low-income consumers with medical debt from abusive and questionable practices of health care providers and their collection agencies. The Fair Debt Collection Practices Act applies to medical debt. Other federal statutes, such as the Truth in Lending Act, the Emergency Medical Treatment and Active Labor Act, the Health Insurance Portability and Accountability Act, and the nursing home reform law, may also offer recourse.

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