Thread 510346415

Oh, you thought that medical debt wouldn't affect your ability to get a mortgage or loan? Not with Trump back in charge. Pay debnts, you lazy fucking deadbeats:

https://www.reuters.com/legal/litigation/us-judge-grants-trump-admin-request-scrap-biden-era-medical-debt-rule-2025-07-11/

>US judge grants Trump admin request to scrap Biden-era medical debt rule

>A federal judge in Texas on Friday granted a request from the Trump administration and industry groups to scrap regulations adopted during Joe Biden's presidency that removed consumers' medical debts from their credit reports, court papers showed.

>U.S. District Judge Sean Jordan, whom Trump appointed in 2019, agreed with current leadership of the Consumer Financial Protection Bureau and financial industry trade groups that the rule, adopted in January, exceeded the CFPB's legal authorities and should be vacated.

>Representatives of the CFPB, which ceased defending the rule after President Donald Trump took office this year, did not respond to a request for comment.

>However, Dan Smith, head of the Consumer Data Industry Association lobbying group, welcomed the decision, adding that medical debt helped indicate whether consumers could repay their debts. "This is the right outcome for protecting the integrity of the system," he said in a statement.

>>510346415 (OP)
No.

>>510346415 (OP)
>Oh, you thought that medical debt wouldn't affect your ability to get a mortgage or loan?
...it should affect your ability to get a mortgage.
what's the problem?

>>510347060
Because it is often involuntary. A credit score is supposed to reflect your credit behavior, and behavior implies volition. Getting shot by a stray bullet and sent to the hospital in a $1,500 ambulance ride for a $150,000 two-day stay is not exactly voluntary.

It's not indicative of your money-management skills; it's just an unfortunate calamity. Why would you want to punish people for that?

Lmao

>>510347215
>implying public policy is guided by rationality

>>510346415 (OP)
PAY YOUR BILLS.

PAY YOUR MEDICAL DEBT.

PAY YOUR FUCKING CREDIT CARDS.

PAY YOUR G-D DAMNED STUDENT LOANS.

YOU ARE NOT ENTITLED TO OTHER PEOPLES MONEY. ITS NOT YOURS AND IF YOU DONT PAY YOU SHOULD BE SUED AND HAVE YOUR CREDIT RATING SUFFER. IF YOU HAVE A BAD CREDIT SCORE YOU SHOULD LOSE YOUR FUCKING JOB ESPECIALLY IF IT IS ON RECORD YOU ARENT MAKING PAYMENTS. ITS NOT FUCKING YOURS. NOTHING IS.

Generation Z has pathological and narcissistic entitlement issues. They are intent on defrauding the creditors and believe the world owes them for something. I am glad the BBC put caps on student loans. It prevents fuck ups from stealing more money for education they couldn't complete because of some fucking bullshit excuse in their life. Ok shit head, no more money for you. Increase garnishment % so defaulters suffer more. It isn't your money , it's not your country despite your authoritarian suggestions to fix it, and you have no right to think you are special.
>>510347060
Ding ding ding. These asshats don't deserve a house let alone a roof to sit under. Let them suffer for ripping other people off. Maybe that will humble them. If it doesn't, fuck them anyways. Pay what is owed or else.

>>510347690
BBB. I have fat fingers and typed the wrong letter.

>>510347562
Why would Trump want to make the system less rational and less populist for normal people, though? This is the opposite of what he ran on in 2015.

I'm starting to think he might actually be going senile or no longer has the mental capacity to keep track of the things that his own administration is doing.

>G-d
Weak bait

>>510347690
pay your 33 trillion dollar debt

>>510346415 (OP)
>It's for your own good goyim
Lol. Lmao even.

>>510347812
Hes a turbo kike and a sellout. Banker kikes cried that they couldn't get their hands on fifty billion shekels so Trump leapt into action
Pic is the boss of CFPB

>>510346415 (OP)
>Have a massive debt
>Don't want other lenders to know about it
>Get approved
>Still default
Yeah maybe pay your debts.

>>510347215
The number is just one aspect. The lender is looking at your debt to income ratio. If you're 200k in the hole on a wage slave salary why the fuck would I lend you 300k on a home?

>>510347812
>Further nuclear code supporter here

>>510347690
so passionately does the golem defend usury

>>510347690
I will right after the Federal Reserve stops inflating my money through fractionated reserve banking, and the cartel it has with the Government stops spending so much on bullshit. Fair?

>>510348964
Because the point is that medical debt isn't real. That's the direction things were heading. The next step was separable bankruptcy for categories of debt (eg, you could bankrupt medical debt in particular without declaring a general chapter 7/11/etc.). But Trump just went in the opposite direction for no clear reason.

Why? That's a serious question. There was no reason to do this. Even if he thought the policy was bad, the obvious thing to do would have been to ignore it and leave it alone. Not to actively dismantle a popular policy.

>>510347923
That would deflate the money supply and collapse the economy. It was designed to do that by the privately owned Federal Reserve. You idiot.

>>510346415 (OP)
You won't do shit

>>510349192
Because America has the best doctors and medical facilities in the world because people pay for services. The costs are high because people in the rest of the world don't pay for services. If you stop paying then the quality of care will reduce. Do you want made up money or your life and health? Choose Moishe.

I honestly don't see the problem. Somebody with massive amounts of medical debt shouldn't be able to get loans on top of them.

And to be clear, the biggest loan I've ever gotten in my life was ~3k for a used car. Free credit isn't some mana the government can just sprinkle on everyone; everybody who defaults costs the taxpayers money in the form of credit subsides.

>>510349309
This sounds like a lost transmission from a Boomer in the 80's.

>>510346415 (OP)
If you are jewish you don't pay interests so loans aren't a burden

>>510349611
There are lots of countries with free healthcare and you're free to go to any of them for your next treatment.

>>510349678
>Just shut up and pay the CEOs, goy!

This is what you sound like. By the way, how much free cash did those same companies get FROM THE GOVERNMENT during the covid era and even during the 2008 financial crisis, directly or indirectly?

>>510347923
We don't pay debt for a reason buddy. I have no intention of not paying. Just don't want to clear it out. Alphabet googles parent company owes like 90b in debt with 23 b on cash reserve as a multi trillion corp. Have you ever considered that people are smarter and more financially swave than you ?

>>510349309
>people in the rest of the world don't pay for services
that's bullshit, a lot of the world has your healthcare system or public/private split with exactly the same services available as you in facilities just as nice as yours or nicer. Oh yeah, and they don't have any niggers in them, which is your real problem. Niggers and illegals. But you don't want to fix that problem because it would be hard, so you decide to shit on your actual countrymen like a loser cop who knows exactly where the gangbangers are selling drugs but decides to go after the guy doing 55 in a 50 because he knows he won't shoot back.
Basically, murder suicide your family

>>510347690
You gave someone money and called it a "loan." You're not getting it back. You're not gonna get rich on free interest you never earned. All the capslocks on 4chan and all the Portnoy-meltdowns in the world will not get your money back.

>>510349796
>Have you ever considered that people are smarter and more financially swave than you ?
Abusing loopholes in international treaties to avoid paying any taxes doesn't make them smart, it makes them a target for political gain. The taxes they pay are in the form of direct political contributions to both parties instead of income tax through the IRS. They face political blackmail from both sides forever based on their "economic" decision to evade paying taxes like the rest of us.

>>510349786
I'm telling you not to pay the CEO. Just drive to Canada. It's that easy.

>>510346415 (OP)
>Pay debnts, you lazy fucking deadbeats:
I... I'm tired shlomo

>>510350079
This is about American policy. No one believes anymore that staining people's credit scores is what makes the US healthcare system 'good,' which (in an era of 'iatrogenic' deaths and doctors from India and elsewhere dominating the upcoming medical corps) is hardly a point of agreement anymore.

'Go somewhere else' is also an extremely weak form of argument when the topic is domestic American law.

>>510346415 (OP)
nice actually lmao fuck em

>>510350232
Just drive to Canada. You could be in your car already instead of typing all that shit.

>>510346415 (OP)
I'll just keep not paying and issue disputes lmao

>>510346415 (OP)
I don't have medical debt and I don't take out loans this sounds like a Normie problem.

MIGA

>>510350079
Do you actually not have to be a Canadian citizen to use Canadian healthcare?
Also
>medical emergency
>picked up by ambulance
>no worries bro it’s only 27 hours to Ontario
Amazing, I’m sure they’ll do it

>>510350441
Fuck if I know or care. I just want them to leave.

>>510346415 (OP)
If you can't afford medical care maybe you shouldn't have gone to the hospital? I don't go to a restaurant knowing i can't afford to eat, same thing. Medical care is a want not a need.

>>510350326
Voluntary care is not the only category of medical care which can accumulate debt. Again, if you are incapacitated due to injury, an entire system will click into motion which will start pouring debt on you, and you will have no way to stop that process.

And you think that should be on your credit report? Why? You have not even come close to making that case. That's not even the same question as debt repayment, since a credit report is a third-party document generated by a private corporation, not a court judgment.

>>510346415 (OP)
Credit scores are a boomer invention

>>510350610
Don't care go to Canada

Cool faggot, here's what we can do in response:
>File chapter 7 (I have to do this now, yipee... it's only my 3rd time, so we can start the 7 year clock again. Who cares)
>Make sure to NEVER provide social security number at hospital or carry the card on me or my DL (locked in glovebox always)

Good luck, banker kikes! And in 7 years I think I'll take another credit profile, age it 5 years, max the bitch to 10k and whatever happens, happens!!!!!

>>510350662
Go to israel.

do jews in the US get interest-free mortgages?

>>510350849
Nah. I actually like it in America. You don't seem to. Maybe Canada is more your speed. You'll still get rejected for the loan but at least they'll euthanize you so I don't have to see your faggy thread anymore.

>>510347215
This is why smart leftists like you know to avoid the Groid. Stray bullets are a result of underdeveloped amygdala and poor marksmanship.

>>510347690
Oy vey goyim, pay me what I am owed.

>>510349192
>Why?
Trump is a jew.

Imagine defending something that is this anti-consumer just because orange man did it. Even with health insurance you can still end up with medical debt if your insurance doesn't pay out.

>>510349309
>Because America has the best doctors and medical facilities in the world
Good morning sir!

>>510353223
I'm sure it's better in Canada or London right.

>>510352705
I once had a $500 bill go to collections because the uninterested nigger on the phone told me it would be sent to my insurance company. It wasn't. No warning, just a collections letter.

>>510347060
Rolling for you to get a stroke vaxxie!

>>510353398
Yeah it's the difference between the doctor accidentally killing you vs intentionally.

>credit scores
>Land of the Free

>>510347215
>implying they ever gaf whether it was your 'fault', or not
being born not-millionaire-heir isn't their fault either anon. No-one cares. At some point tho, personal debt starts looking like the National Debt. There is no viable path to repaying all this shit ever now anyway. And thats before taking cumulative @ 30% APR into consideration. May as well just go Full Nigga and rack up as much as you can.

>>510347690
>FUCKING CREDIT CARDS
are 30%+ APR and sheeit for good reason, the reason being, not everyone is going to, will be expected to, nor can they ever be capable of paying it back. And thats why they charge 30%. The credit card cos are predatory kikes who would have been flung out the temple in the good 'ole days. And all your doing by blacklisting all these people as 'poor credit risk' is removing them from any possible path to home ownership etc, and leaving them at the mercy of further predators, home rental cos like Blackrock. But you knew that anyway, didnt you Moshe? This all just creating a darker and darker spiral and the people are gonna get get sucked under. Until they start getting desperate, and doing desperate things.

I still won't pay it

>>510347690
No

>>510347215
if raw credit score is your goal then massive debt but with regular payments is the way to go. (((credit score))) isn't an indication of financial responsibility but rather how good of a goy you are and likely you are to pay interest

>>510353454
Yeah. This is not a good thing for anyone but insurance companies, banks, and collection agencies. I really don't know how anyone can defend this. It's blatant jewelry, and people are supporting it because of vitrolic two-party politics.

>>510346415 (OP)
>simping for the medical jew
Why are republicans like this? I underwrite commercial loans. We have $125m net worth individuals who refuse to pay the bullshit "bills" doctors send them. At this point, we completely disregard medical debt on credit reports. It's not really debt. The debtor never borrowed money or agreed to pay it back.

>>510350441
Depends on the province, but most will give you a bill. Whether they can actually enforce the bill, or have US courts enforce it for them is a different matter entirely.

>>510347215
Nobody is forcing you to go to the hospital pussy.

>>510346415 (OP)
They are tightening the screws and putting in the police state apparatus

>>510357504
idk how it works in Murica, but isn't 'medical debt' same as every other debt, after it gets sent to collections? ie, recovery of this then becomes as equally legally enforceable as any other debt, or is medical still under some special provision preventing punters being made Insta Bankrupt because they broke a leg?

>>510353893
that's a typo, its really:
> Land of the Fee

>>510358126
It's theft of services. All a customer has to do is speak to the accounting department. The amount owed is usually hugely inflated, and they will reduce it. Also, never ignore a debt.

>>510350698
>max the bitch to 10k
lmao, 10k isnt worth waiting 7 years, junior. Learn to play the game better. I setup a fake id in my late teens early twenties, used it to get student loans. Enrolled in a few classes as that ID and most of the classes myself at a good college. Racked debt under assumed ID, paid for my entire education and living expenses with my fake id. Graduated and walked away from that ID.

>>510358126
It gets put on credit reports if you don't pay. Regular loans are listed along with whether you pay on time or not. Medical debt gets listed under "Collections" which are just a list of accounts where companies claim you owe money. In theory, if it's in collections, you could be sued to collect, but usually no one sues for bullshit bills because the amounts are small and judges are likely to toss the case (the medical jews sends bullshit bills to judges too.)

It's just not real debt, and collectively, Americans have decided not to pay it and to disregard it.

>>510347215
>Because it is often involuntary.
Most of it is voluntary however. 80% of Americans are overweight. 40% are obese. You should not qualify for loans if you cannot stop eating McDonald's to the point it gives you heart problems.

>>510350576
You do realize that a large percentage of hospital intakes are involuntary, right?

If you get it in an accident and are unconscious, guess where you are going to wake up?

A 15,000/night hotel stay at a hotel called a fucking hospital.

>>510346415 (OP)
I have about $12k in medical debt from the birth of my children. I work in healthcare. I know the prices are inflated because hospitals want to get as much as they can from insurance companies. This practice also imparts a significant toll on the patient, but all they really care about is the guaranteed payday from insurance. Inflated drug prices are also bullshit. If there were no medical insurance, hospitals would have to adjust prices to meet consumer demand, or go completely out of business. We also need to deport niggers which we devote so much fucking free healthcare to for literally no reason. I will not pay my medical debt until prices deflate. That wont happen until pharmacy companies start reducing prices, insurance companies are abolished and niggers are removed.
Fuck usurious kikes, niggers, boomers, jeets, and jannies.

>>510358126
>idk how it works in Murica, but isn't 'medical debt' same as every other debt, after it gets sent to collections? i

Yes, there is also a fucking game they play with the debt. It will stay on your record for 7 years. The debt is resold to a collection agency for pennies on the dollar. They call you and if you acknowledge the debt, you owe it. If you never acknowledge, statue of limitation kicks in and 7 years they are fucked. Once you acknowledge the debt, the 7 year clock restarts too. You're best off just hanging up on them and telling them to fuck off, you have no idea who they're talking about. Got fucked by the clock reset on thousands in medical debt, took well over a decade to get it resolved. Never again.

>>510346415 (OP)
>already bought a home
>already had kids and didnt pay
Not my problem

>>510359550
Damn, what part of the country are you in so I can use my linguistics analysis tool to identify who you are are fire your ass for being racist? Unironically please state it, I have my GUI open right now.

>>510346415 (OP)
That’s debtors prison and an a front to God Almighty.

Throw that judge out of the window along with whoever in the admin pushed for this. Less subsidizing illegals
Instead of penalizing Americans whom are here legally and paying inflated costs due to all the illegals who freeload. Which is what it is.

So let me get this straight.
Illegals get free healthcare.
That cost is passed onto American citizens and legal residents.
So they are going to get penalized by the legal system because the Fed and state governments for years did nothing about the illegal problem.

If you wanted for the quickest way to anger God and for Him to tear up USA this would be one of them.

No more of this kind of stupidity.

People interested in getting medical debts repaid didn’t get you reelected Trump.

The forces and powers I work with.
Big tech.
DOD Pentagon and CIA
MAGA.

We did. So always remember who put you in power and it wasn’t the small shrimp like them.

Our interests come first.

And if I say I want student loans abolished I federalized and interest rates and interest growth frozen you better get it done asap.

>>510360015
Also Israel / American Jews.

>>510347060
>taking a debt that doesn't have to be paid back into consideration

>>510347215
Electing to not pay for health insurance is voluntary. If you gamble and lose then you deserve the consequences.

I have a high deductible plan and even that covers everything above $9000 in medical expenses. Get a job loser.

>>510359930
Racism is pattern recognition. To deny differences among peoples that were geographically separated for thousands of years is pure ignorance. Antisemitism is also just pattern recognition. Jews view non-jews as cattle (goyim) and are permitted by their religion to lie to the goyim for their gain. Hell, they have practices of deceiving their own god, so you had better believe they're taking advantage oc everyone without remorse. Shouldn't be too hard to find me with this sample. Get to work rabbi.

>>510359582
yeah, thats pretty much same system as UK (except no medical, as NHS) and exactly what I was wondering why it didn't happen with 'medical debt' in US - it being sold on to the first guppys that fancy their chances of being unpleasant enough cunts that they might collect a small %. But it obviously does. The going rate seems to be 1c in the $, if this is anything to judge by:
https://www.inquirer.com/news/philadelphia/rip-medical-debt-forgiveness-philadelphia-20230828.html
- which suggests, they reckon on at least 2% being collectable.
>>510358818
>>510359337
cheers for the explanations, but it still seems like there's a lot being taken on trust here: 'its *theoretically collectable*, but they'll never sue..'
$220B is a juicy plum, and if medikikes can force through stricter regulation on collections - which appears to be the direction of travel - getting collection rates up to even 10% is a $20B+ business. And another 14 million people in penury, but no-one appears to give much of a shit 'bout them.

>>510347215
It doesnt help that the pricing for medical stuff is literally just made up funny numbers. Im sure its just a coincidence that we get a lot of medical supplies from Israel.