Medical debt is unfortunately synonymous with healthcare in the United States. Approximately 41% of Americans have debt for medical or dental bills – meaning they are currently owing a bill, being contacted by a collection agency or actively paying off past balances. Furthermore, an April 2024 report from the Consumer Federal Protection Bureau (CFPB) found that 15 million Americans had medical bills on their credit reports, accounting for a whopping $49 million worth of outstanding debt.

As 2025 brought in a new administration at the federal level, it also brought with it new changes in regards to various facets of healthcare, including you guessed it – medical debt reporting. In January 2025, thanks to Biden-era rulings, the CFPB finalized a rule to free Americans from the weight o

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