Costly care: How a federal rule would protect consumers credit from unpaid medical debt [USA TODAY]
TransUnion (TRU)
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Source: USA TODAY
Even with robust health insurance, Montgomery still owed $25,000 on a half dozen bills from an ambulance company, an out-of-network hospital, an anesthesiologist, a lab and various doctors. She hired a consumer advocate who negotiated the bills to a reduced amount, which she paid. She assumed her medical financial crisis was over. Not even close, it turned out. In January 2022, a year and a half after her hospitalization, a collection agency representing a doctor she couldn't recall ever meeting billed her $1,700. The collection agency pestered her with calls and letters and reported the debt to credit rating agencies that lowered her credit score the same month she was attempting to lease a new vehicle. "I was having a mini panic attack," said Montgomery, a Pennsylvania resident who lived at the time in a suburb of Salt Lake City. "I had gone through the stress of dealing with this already," before the unexpected collection notice arrived that January. Montgomery's experienc
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