Protecting Grieving Spouses from Aggressive Medical Debt Collectors

Losing a loved one is incredibly difficult, and the burden of medical bills can make it even harder, especially for surviving spouses. Many find themselves facing overwhelming debt, complicated legal systems, and financial strain, with only a quarter of them still earning a paycheck. Unfortunately, debt collectors often show little sympathy, and the Consumer Financial Protection Bureau (CFPB) has received numerous complaints about aggressive collection tactics targeting surviving spouses for their deceased partner’s medical bills. One grieving spouse shared their experience of being harassed by debt collectors for bills totaling hundreds of dollars, despite being advised by an attorney not to pay. The harassment severely impacted their credit, adding further stress to an already difficult situation.

The CFPB acknowledges that the system is broken, filled with errors, and often leaves surviving spouses facing unfair debt collection practices. Many collectors try to collect on incorrect or inflated medical bills, or wrongfully claim that the surviving spouse is liable for the debt. The agency is committed to working with state regulators and law enforcement to protect surviving spouses from these predatory practices. Until these issues are resolved, the CFPB advises consumers to understand their rights, seek legal advice when needed, and submit complaints about unfair practices to the CFPB. Surviving spouses should also be aware that they are not always required to pay their late partner’s medical bills and can access resources to protect themselves from aggressive debt collectors.