In Consumer Debt, Let’s Not Forget the Role of Civil Justice

September 13, 2019 - 8:36 am
Debt collection burdens 71 million Americans, including medical bills, student loans, and credit-card debt. It’s time to reform our civil courts to give them a fighting chance.

Terry was just finishing up 16 months of costly cancer treatment when the calls started. First one, then another and another. A debt collector had found Terry’s number and was looking to recoup a debt Terry knew she had repaid a decade before. But it didn’t matter: the collector went after her in court anyway, garnishing her wages for more than $6,000.

What happened to Terry is far from unique in America’s civil justice system, where debt collection cases are decided – almost always in favor of the debt buyer or collector. Debt collection burdens 71 million Americans, including medical bills, student loans, and credit-card debt. It also perpetuates racial injustice: 45% of residents with credit reports living in predominantly nonwhite ZIP codes are affected by debt collection.

Read Terry’s story in Business Insider, where Lauren Saunders of the National Consumer Law Center and Martha Bergmark of Voices for Civil Justice argue for necessary fixes to our civil justice and debt collection systems.

There’s growing public interest in consumer debt, and medical debt in particular, with a number of stories recently highlighting the excessive lengths to which hospitals, insurers, and debt buyers will go to make hardworking people pay.

In this conversation, we shouldn’t ignore the role of civil courts: how they have facilitated the debt crisis facing American families, and how they have a role to play in fixing it so every person facing a debt collector has a chance at equal justice under the law. 

Read the op-ed here to learn more about the role civil justice reform has to play in addressing America’s debt crisis, then share it on social media (or click here to post our sample Tweet)!

Debt collection burdens 71 million Americans, including medical bills, student loans, and credit-card debt. It’s time to reform our civil courts to give them a fighting chance. #CivilJusticeSolutions #AllRiseforCivilJustice

https://www.businessinsider.com/debt-collector-cfpb-wages-make-things-worse-americans-opinion-2019-9