Trump’s pick for defense secretary bodes ill for military sexual assaults

Akron Beacon Journal

Trump’s pick for defense secretary bodes ill for military sexual assaults

Christopher Kilmartin and Ronald Levant – January 8, 2025

When it comes to preventing and responding to military sexual assaults, leadership matters a great deal. Thus, we are very concerned about the safety of our service women and men under President-elect Donald Trump and his nominee for secretary of defense, Pete Hegseth.

Both men have sexual assault allegations against them, and in both cases, there is reliable evidence that corroborates these reports. Trump seems to be an especially egregious offender who is named in more than 20 reports. This is not a case of he said, she said; it is a case of he said, they said.

The U.S. military publishes reliable estimates of sexual assaults every two years based on those both officially reported and recorded by survey. And this is not a problem only for women in the ranks — many of the assault victims are men.

Tracking the numbers tells us about the possible role that the president, as commander-in-chief, has in the increase or decrease in incidents in which a soldier experiences intentional harm from someone who wears the same uniform and took the same vow to serve and protect.

In 2006, the military estimated that there were about 34,000 assaults. That number dropped steadily the next 10 years by more than half (14,900), and the reporting rate nearly tripled between 2012 and 2016, from 11% to 32%. Although nearly 15,000 assaults are still 15,000 too many, we were going in the right direction: fewer assaults, more reports.

Experts believe that victim advocacy is the main factor in the rise of reporting rates. And several things happened to prevent the problem in the first place: more vigorous enforcement and removal of offenders from the ranks, leadership training, both for senior officers and on down the chain of command, bystander intervention training for all members, and environmental interventions.

But then in 2020, the number increased by more than a third to 20,600. (Reporting rates held fairly steady at 30%.) And then came the worst news of all: the 2022 number was 36,000, with the reporting rate dropping to 23.6%.

While the military changed how it collected data for the 2022 report, it still showed a shocking number of assaults and several steps back in progress.

The sharp increases in 2020 and 2022 were data collected during the first Trump administration.

The 2024 number, the first under President Joe Biden and the latest data available, once again indicated progress: 29,061 estimated assaults, more than 6,000 fewer than in 2022, though still higher than it had been 14 years earlier. We know Biden prioritized reducing this number: At his direction, Defense Secretary Lloyd Austin ordered an independent commission to develop solutions to the crisis, including changes to the military justice system.

But now, we have a man found liable for sexual abuse at the head of the armed services again, and he has made matters even worse by nominating another man accused of sexual assault as second in command.

Defense secretary nominee Pete Hegseth meets Dec. 5, 2024, with Senator-elect Jim Banks, R-Indiana, on Capitol Hill in Washington, D.C.
Defense secretary nominee Pete Hegseth meets Dec. 5, 2024, with Senator-elect Jim Banks, R-Indiana, on Capitol Hill in Washington, D.C.

A story about how much leadership matters: I (Kilmartin) was invited to San Antonio, Texas, in 2011 to do a training for Sexual Assault Awareness and Prevention Month on three military bases.

At the first base, the general showed he was serious and passionate about reducing on-base violence by engaging in the training. At the second base, the “mandatory” training for 300 people resulted in only about 60 attendees. And at the third base, where attendance was voluntary, I presented to seven people.

The contrast in the leadership of these three bases could not have been sharper, and so I was appalled but not surprised that just a few months later, a scandal broke of frequent sexual assaults of recruits by their military training instructors.

Since leadership is so important, having a commander-in-chief from 2017-2021 who has been reported for sexual assault by more than 20 women could have been a critical factor in the 2022 increases. We fully expect that the 2024 numbers, the last under Biden, who has a long record of working to end gender-based violence, will again show a decrease.

The important lesson from the 2006-2016 progress is that we know what works, and so the task for the military is to redouble their efforts. Having two leaders with such callous disregard for others’ rights will surely make this work even more challenging than ever. Congressional pressure on Trump to nominate a defense secretary with a strong record on this critical issue would be a step in the right direction.

Christopher Kilmartin is a Fredericksburg, Virginia, author, trainer and activist in preventing violence in schools, the military, and the workplace internationally. His latest book is “The Fictions that Shape Men’s Lives” from Routledge.

Ronald Levant is a former president of the American Psychological Association and professor emeritus of psychology at the University of Akron. His latest book is “The Problem with Men: Insights on Overcoming a Traumatic Childhood from a World-Renowned Psychologist” from Koehler Books Publishing.

Adam Kinzinger Says 1 Trump Nominee Is The Most Concerning: ‘A Huge Problem’

HuffPost

Adam Kinzinger Says 1 Trump Nominee Is The Most Concerning: ‘A Huge Problem’

Marco Margaritoff – January 7, 2025

Former Rep. Adam Kinzinger (R-Ill.) shared some unvarnished thoughts Monday on the people President-elect Donald Trump has announced he plans to nominate to key positions in his upcoming administration — and said one of them in particular is most concerning for U.S. democracy.

Trump’s picks include MAGA loyalist Kash Patel to run the FBI, former Fox News host Pete Hegseth as his secretary of defense and former Rep. Tulsi Gabbard (Hawaii) — a former Democrat who joined the Republican Party in 2024 — as leader of national intelligence.

When asked on “The Late Show With Stephen Colbert” whom he has the strongest opinion on, Kinzinger stated bluntly: “I mean, for the country, Kash Patel, because I think once you weaponize Justice or the FBI, that’s a huge problem. … There’s really no oversight.”

Patel served in the first Trump administration and, in his 2023 book “Government Gangsters: The Deep State, the Truth, and the Battle for Our Democracy,” ominously ranked Trump’s “deep state” enemies — and vowed at the time to “come after” them.

Kinzinger told Colbert that Hegseth is the second-most-troubling pick, as the Defense Department “is the largest corporation in the world.” Hegseth, a military veteran turned television pundit, defended the 2021 attack on the U.S. Capitol on Fox News at the time.

“There’s people that put their lives on the line,” Kinzinger said Monday about the Defense Department, “and Pete served honorably in the military, but by the way, anywhere in D.C. there’s probably 50,000 people as or better qualified than Pete Hegseth to run the DOD.”

Kinzinger, a frequent Trump critic and one of only 10 House Republicans who voted to impeach him over his role in the U.S. Capitol attack on Jan. 6, 2021, shared similar thoughts on Gabbard — who previously criticized Trump as “corrupt” but has since joined the fold.

Former Rep. Adam Kinzinger named (from left) Kash Patel, Pete Hegseth and Tulsi Gabbard as his biggest concerns among President-elect Donald Trump's administration picks.
Former Rep. Adam Kinzinger named (from left) Kash Patel, Pete Hegseth and Tulsi Gabbard as his biggest concerns among President-elect Donald Trump’s administration picks. Left: Tom Williams/CQ-Roll Call, Inc/Getty Images; Center: J. Scott Applewhite/Associated Press; Right: Kevin Dietsch/Getty Images

“I knew her,” Kinzinger told Colbert. “And I was friends with her up until the day she visited [Syrian President] Bashar al-Assad who, thank God, is out of power now, and did his dirty work.”

Forces for the recently deposed president were accused of using sarin gas to kill 1,400 people in 2013. Gabbard — who shared “Russian talking points” in support of Assad, Kinzinger noted — previously urged Congress not to endorse potential U.S. regime change operations in the country, alleging the U.S. was covertly “supporting” as much.

Kinzinger had only one word to share about former Rep. Matt Gaetz (R-Fla.), whom Trump had announced as his attorney general pick despite a federal investigation and a congressional ethics probe into allegations he had sexual relations with a minor. Gaetz immediately resigned from his congressional seat in anticipation of the role but later withdrew himself from consideration for the position when it appeared he would not have the support needed for confirmation.

When Colbert noted there was applause in the House chamber Friday as the acting House clerk announced Gaetz wouldn’t be taking his seat in the new Congress, Kinzinger said simply: “Fantastic.”

trump’s nominee for his department of military conspiracy & disinformation. Democrats dial up pressure on Hegseth as confirmation battle nears

The Washington Post

Democrats dial up pressure on Hegseth as confirmation battle nears

Missy Ryan and Abigail Hauslohner – January 7, 2025

The record of Pete Hegseth, Donald Trump’s choice to lead the Pentagon, should disqualify him for such a pivotal national security role, a Democratic senator told the former Fox News personality in an expansive letter that illustrates the party’s breadth of concern with one of the president-elect’s most controversial Cabinet picks ahead of his confirmation hearing next week.

Sen. Elizabeth Warren (D-Massachusetts), a member of the Senate Armed Services Committee, outlined 10 areas of concern in her letter, posing more than 70 questions for Hegseth in what appears to be a preview of Democrats’ approach when they interrogate his qualifications, past conduct and beliefs. The letter highlights allegations of heavy drinking and sexual misconduct, remarks suggesting female military personnel should play a more limited role, his past skepticism about the need for U.S. troops to comply with laws of war, and accusations of financial mismanagement arising from the veterans’ organizations he once led.

Hegseth has vehemently denied claims of wrongdoing.

“I am deeply concerned by the many ways in which your behavior and rhetoric indicates that you are unfit to lead the Department of Defense,” Warren said in the letter. “Your confirmation as Secretary of Defense would be detrimental to our national security and disrespect a diverse array of service members who are willing to sacrifice for our country.”

The Trump transition team declined to comment on Warren’s letter. Hegseth is due to appear before the Senate Armed Services Committee on Jan. 14.

Spanning 33 pages, the missive resurfaces statements and alleged incidents reported by the news media in the weeks following Trump’s selection of the 44-year-old – a former Army National Guard member, Princeton University graduate and longtime Fox News host – to lead the Pentagon. Several news outlets have published reports scrutinizing Hegseth’s background, including revelations that he made derisive comments about Muslims and current military leaders, and an incident in which he was investigated, but not charged, in an alleged sexual assault.

Warren’s letter also coincides with growing concern among Democrats about the incoming Trump administration’s decision to spurn steps traditionally involved in the selection, vetting and approval process for high-level government officials.

Hegseth’s confirmation hearing will provide an early test of how congressional Republicans, in particular, intend to size up their preferences against those of their president. While Hegseth’s record has stirred doubts among some in the GOP, Trump has lobbied forcefully for his confirmation.

And while some Republicans have praised Hegseth – who wasn’t widely seen as a contender for high office until Trump announced his pick days after the election – others, including Sen. Joni Ernst (Iowa) and Sen. Susan Collins (Maine), have not publicly declared how they will vote, though both said they had productive meetings with Hegseth last month. Ernst is a member of the Armed Services Committee and a sexual assault survivor. Collins is a prominent moderate within the GOP.

To proceed for a vote on the Senate floor, Hegseth must secure the support of a majority of the Republican-led Armed Services Committee. Committee Democrats are widely expected to oppose him.

If confirmed, Hegseth, who as a Fox News host successfully lobbied Trump for lenient treatment of service members convicted of war crimes, is expected to focus on cultural and personnel issues at the Pentagon, which he has said is insufficiently focused on combat and is dominated by “woke” generals.

In her letter, Warren told Hegseth to be ready to respond to questions, and she asked that he first reply in writing by Jan. 10. Separately, a group of Democratic senators, including Warren, Tim Kaine (Virginia), Tammy Duckworth (Illinois) and Kirsten Gillibrand (New York), sent a letter to Trump’s designated chief of staff last month focused on Hegseth’s record on women.

Critics have assailed Trump for tapping Hegseth before he completed key aspects of the vetting process, which for Senate-confirmed positions usually includes an FBI background check. While the FBI typically delivers the results of a nominee’s classified background check to the relevant oversight committee about a week ahead of a confirmation hearing, that hadn’t happened in Hegseth’s case as of Tuesday, said a Senate aide familiar with the process, who like some others spoke on the condition of anonymity to discuss the vetting process.

Upon receiving the results of an FBI background check, the committee chair and ranking minority-party member – in this case, Sens. Roger Wicker (R-Mississippi) and Jack Reed (D-Rhode Island) – have the discretion to share it with other lawmakers, aides said. Senators in both parties, including some like Collins who do not sit on the committee, have expressed interest in seeing the FBI’s findings. It is unclear if Wicker and Reed will make the FBI report more widely available.

Senate aides also said Hegseth had declined to hold meetings with committee Democrats in the lead-up to next week’s hearing, a development they called a disturbing break with tradition. Reed, the committee’s top Democrat, is expected to meet with Hegseth later this week.

The aides said Hegseth, through intermediaries, offered Democrats opportunities to meet with him only after his confirmation hearing.

“It’s obviously really concerning, and very unusual to not be taking those meetings,” one Senate aide said. “It’s disrespectful to the process.”

A Trump transition official disputed that claim, saying Hegseth and his team reached out to nearly all Democratic committee members well before the end-of-year holidays but received no agreements to meet in December. The aide identified one Democrat, Sen. John Fetterman (Pennsylvania), who had met with Hegseth but is not a member of the Armed Services Committee.

“Despite a poor response rate and multiple communications attacking the nominee before these Senators have even met with him (and going outside standard hearing procedures to make these requests), Mr. Hegseth is doing his level best to meet with as many Democrat Senators as he can before and after his hearing,” the Trump transition official said via email.

Trump addresses my top issues: Renaming Gulf of Mexico and invading Greenland

USA Today – Opinion

Trump addresses my top issues: Renaming Gulf of Mexico and invading Greenland

Rex Huppke, USA TODAY – January 7, 2025

As a devout supporter of Donald Trump and the MAGA movement, I voted for him because I knew he would address the issues that most impact my life.

I’m talking, of course, about militarily overtaking the largely inhospitable Danish territory of Greenlandrenaming the Gulf of Mexico and outlawing windmills.

So you can imagine my delight when my hero, President-elect Trump, gave a news conference Tuesday and strongly addressed those crucial subjects, along with other things that matter deeply to REAL AMERICANS like me, including shower water pressure and making Canada part of the United States.

I voted for Trump for 1 reason: American invasion of Greenland
President-elect Donald Trump makes remarks at his Mar-a-Lago estate in Palm Beach, Fla., on Jan. 7, 2025.
President-elect Donald Trump makes remarks at his Mar-a-Lago estate in Palm Beach, Fla., on Jan. 7, 2025.

Refusing to rule out using the military to take control of Greenland, Trump, who I voted for because I knew he would keep us out of wars, said: “Well, we need Greenland for national security purposes. … People really don’t even know if Denmark has any legal right to it. But if they do, they should give it up.”

YES! I was predominantly a one-issue voter, and that issue was the exorbitant cost of seal meat. By threatening our ally Denmark and using military force if necessary, the Trump administration can proudly claim Greenland as a U.S. territory, dramatically lowering the cost of seal meat for American consumers like myself.  That will allow me and my fellow MAGA supporters to affordably make Suaasat, a Greenlandic soup, AS IS OUR RIGHT AS AMERICANS!

Opinion: Trump’s election got certified. Why didn’t liberals do their patriotic insurrection?

Some voters were concerned about egg prices. TRUE PATRIOTS were concerned about seal-meat prices.

And Trump is on the case.

I am very worried about the name ‘Gulf of Mexico’

The soon-to-be president also announced a change that has been talked about for years in the rural diners I frequent with my fellow forgotten American men and women.

“We’re going to be changing the name of the Gulf of Mexico to the Gulf of America,” Trump said. “Gulf of America – what a beautiful name.”

President-elect Donald Trump announces the Gulf of Mexico will get a new name: the Gulf of America.
President-elect Donald Trump announces the Gulf of Mexico will get a new name: the Gulf of America.

SO BEAUTIFUL! And also, so directly impactful on the quality of my day-to-day life.

I can’t tell you how many times I’ve had to miss work because I was feeling down about having to give Mexico credit for that 218,0000-square-mile, semienclosed oceanic basin that I know was BUILT BY AMERICANS.

America for sure owns the Gulf of AMERICA, people!

As Trump said Tuesday: “We’re going to change, because we do most of the work there, and it’s ours.”

Damn straight it’s ours! Are you going to tell me that 200 million years ago when the Pangea supercontinent was breaking up there weren’t big, strong American workers causing tectonic plates to shift and form our beautiful gulf?

Liberals probably wrote that in our history books, but thanks to voters like me, Trump will set the record straight.

Opinion: What will happen in 2025? Trump will always be right – and more guaranteed predictions.

Finally, a president who hates windmills as much as I do

The greatest president in history, speaking from his Mar-a-Lago resort, went on to bless us with this: “We’re going to try and have a policy where no windmills are being built.”

Praise the Lord! I know some in the MAGA community are more concerned about the economy, immigration and making life terrible for transgender people, but many of us picked Trump again because we abso-freakin’-lutely despise windmills.

See Don Quixote's La Mancha
See Don Quixote’s La Mancha

They are distracting and can easily be mistaken for giants, leading innocent Americans to tilt at them like the late, great Don Quixote used to do. (Hopefully, Trump will also soon announce that Don Quixote will be renamed “Don America.”)

MAGA voters wanted a president unafraid of Big Shower

Trump also addressed America’s shower-water-pressure crisis, saying: “When you buy a faucet, no water comes out because they want to preserve, even in areas that have so much water you don’t know what to do, it’s called rain, it comes down from heaven. … No water comes out of the shower. It goes drip, drip, drip.”

Finally, we will have a president with the meteorological knowledge to identify that rain correctly comes from heaven. This is clearly the man best suited to handle America’s nuclear codes.

Sure, Canadians will welcome us taking control of their country

Speaking of which, Trump also said he’d use economic force to annex Canada as America’s 51st state and “get rid” of the border, which he called an “artificially drawn line.”

Opinion alerts: Get columns from your favorite columnists + expert analysis on top issues, delivered straight to your device through the USA TODAY app. Don’t have the app? Download it for free from your app store.

Amen, sir. I voted for a man who believes borders are crucial, except for that one. Don’t worry, Mexico, you’ll be fine.

I can’t wait to watch President-elect Trump continue to make all his supporters’ dreams come true.

As long as those dreams involve whatever he happens to be talking about on any given day.

MAGA!

Biden administration finalizes rule to strike medical debt from credit reports

NBC News

Biden administration finalizes rule to strike medical debt from credit reports

Rob Wile – January 7, 2025

The US Consumer Financial Protection Bureau headquarters. (Ting Shen / Bloomberg via Getty Images file)
The Biden administration says people who previously had medical debt on their credit reports could see their credit scores rise by an average of 20 points.

Yahoo is using AI to generate takeaways from this article. This means the info may not always match what’s in the article. Reporting mistakes helps us improve the experience.Generate Key Takeaways

U.S. consumers will no longer have medical debt appear on their credit reports under a new rule the Biden administration finalized Tuesday.

The change, which administration officials had proposed over the summer and is set to take effect in March, means some $49 billion in medical bills will be struck from the credit reports of about 15 million Americans. The Consumer Financial Protection Bureau said lenders would also be prohibited from using medical information in their lending decisions.

“People who get sick shouldn’t have their financial future upended,” CFPB Director Rohit Chopra said in a statement. “The CFPB’s final rule will close a special carveout that has allowed debt collectors to abuse the credit reporting system to coerce people into paying medical bills they may not even owe.”

About 1 in 12 adults in the U.S. had medical debt as of 2021, according to an analysis by KFF, a nonprofit group that researches health policy issues. The CFPB determined that a medical bill on a person’s credit report was a poor predictor of whether they would repay a loan yet contributed to thousands of denied mortgage applications.

The agency expects the rule will lead to the approval of some 22,000 additional mortgages every year, and that Americans with medical debt on their credit reports could see their credit scores rise by an average of 20 points.

The three major U.S. credit bureaus already announced in 2023 that previously paid medical debts, or any medical debts under $500, would no longer appear on credit reports.

The move comes as Biden administration officials race to safeguard aspects of their work weeks before President-elect Donald Trump retakes office. The White House on Monday, for example, announced a ban on new offshore oil and gas drilling along most of the U.S. coastline. When it comes to consumer finance, advocates are preparing for an expected rollback of certain safeguards imposed in the last four years by the CFPB, a high-profile target of some GOP lawmakers and Trump allies including Elon Musk.

How removing unpaid medical bills from credit reports could help consumers

Associated Press

How removing unpaid medical bills from credit reports could help consumers

Cora Lewis – January 7, 2025

FILE – Medical bills are seen in Temple Hills, Md., on June 26, 2023. (AP Photo/Jacquelyn Martin, File)

NEW YORK (AP) — Lenders will no longer be able to consider unpaid medical bills as a credit history factor when they evaluate potential borrowers in the U.S. for mortgages, car loans or business loans, according to a rule the Consumer Financial Protection Bureau finalized Tuesday.

Removing medical debts from consumer credit reports is expected to increase the credit scores of millions of families by an average of 20 points, the bureau said. The CFPB says its research showed that outstanding health care claims are a poor predictor of someone’s ability to repay a loan yet often are used to deny mortgage applications.

The three national credit reporting agencies — Experian, Equifax and TransUnion — said last year that they were removing medical collections under $500 from U.S. consumer credit reports. The government agency’s new rule goes further by banning all outstanding medical bills from appearing on credit reports and prohibiting lenders from using the information.

The rule is set to take effect 60 days after publication in the Federal Register, although President-elect Donald Trump has proposed sweeping changes and limits to the CFPB’s regulatory reach.

Here’s what to know:

How many people will this affect?

The CFPB estimates the rule will remove $49 million in medical debt from the credit reports of 15 million Americans. According to the agency, one in five Americans have at least one medical debt collection account on their credit reports, and over half of collection entries on credit reports are for medical debts.

The problem disproportionately affects people of color, the CFPB has found: 28% of Black people and 22% of Latino people in the U.S. carry medical debt versus 17% of white people. While the national credit reporting agencies voluntarily agreed to disregard medical debt below $500, many consumers have amounts much higher than this threshold on their reports.

What will the impact be for consumers?

The CFPB says its action will give millions of consumers increased access to loans and lead to the approval of approximately 22,000 additional mortgages a year. Americans with outstanding medical bills may see their credit scores rise by an average of 20 points, according to the bureau.

The rule was also drafted to increase privacy protections and to help keep debt collectors from using the credit reporting system to coerce people into paying bills they don’t owe. The CFPB has found that consumers frequently receive inaccurate bills or are asked to pay bills that should have been covered by insurance or financial assistance programs.

What’s more, lenders will be barred from using information about medical devices, such as prosthetic limbs, to make them serve as collateral for a loan and subject to repossession, according to the CFPB’s announcement.

How are advocates responding?

Nonprofits in the healthcare space are pleased.

“This decision is great news for everyday Americans,” said Carrie Joy Grimes, founder of personal finance organization WorkMoney. “Medical debt is not a reflection of being bad with money — any one of us can experience illness or injury. With this new rule, Americans will now be able to focus less on the strain of medical debt and more on getting back on their feet.”

Patricia Kelmar, health care campaigns director for the U.S. Public Interest Research Group, said the rule would help “many financially responsible families who have accumulated medical debt from unpredictable health issues, high out-of-pocket costs, insurance claim denials and billing errors.”

What should you do after receiving an unexpectedly high medical bill?

While high medical bills are common in the US, including for individuals and households with insurance, there are ways to get relief.

First, determine whether you qualify for charity care. Federal law requires nonprofit hospitals to lower or write off bills for individuals depending on household income. To determine if you qualify, do an internet search for the hospital or health care provider along with the phrase “charity care” or “financial assistance policy.” The nonprofit organization Dollar For also provides a simplified online tool for patients.

Next, appeal under the provisions of the No Surprises Act, a federal law that says insurance companies must reasonably cover any out-of-network services related to emergency and some non-emergency medical care. If you’re being charged more than you’re used to or expect when you receive in-network services, that bill may be illegal.

Also: Always ask for an itemized bill. Medical billing is notoriously complicated and rife with errors. An itemized bill includes the billing codes of all care received. If something is off between these codes and the care provided, contesting your bill can yield changes.

Another approach — comparing the bill with insurance companies’ estimates of fair charges for services can also help. If the price you were charged is more than average, you may have your costs lowered. You could even take the provider to small claims court over the discrepancy – or let them know you have a case.

Finally, always compare your insurance company’s “explanation of benefits” to the bill. The hospital’s bill must match the explanation of costs that are covered and not covered. If it does not, you have another reason not to pay and to ask the provider to work with your insurance company further first.

Even after taking these steps, you can always appeal health claims with your insurance company if you believe there is any reason the bills should be covered entirely or more than the company initially decided. You may also contact your state insurance commissioner for support.

___

This version has been corrected to show a consumer organization mentioned in the 13th paragraph is the U.S. Public Interest Research Group, not the U.S. Public Interest Resource Group.

___

The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.

What a bankruptcy attorney has to say about medical debt being eliminated from your credit report

WJZY

What a bankruptcy attorney has to say about medical debt being eliminated from your credit report

Shaquira Speaks – January 7, 2025

What a bankruptcy attorney has to say about medical debt being eliminated from your credit report

CHARLOTTE, N.C. (QUEEN CITY NEWS) –The Biden administration announced a new policy Tuesday to help more than 15 million Americans by banning medical debt from appearing on credit reports.

The Consumer Financial Protection Bureau’s rule will remove $49 billion in debt from those reports, raising credit scores by an average of 20 points.

For many people, medical debt on their credit reports can lower their scores, affecting their ability to buy a home or car or apply for new loans.

Governor Stein announces executive order to ‘keep NC warm’ amid frigid temps

A Charlotte bankruptcy attorney says although that debt won’t show up on those reports anymore, he believes creditors will find a new way to make sure those debts are paid.

“So it is a really important thing,” explained Ruth Lande, vice president of Provider Relations at Undue Medical Debt. “Most people know that medical debt is not like other debts. It’s not the same kind of a debt of choice. And so to have those kinds of repercussions on a credit report affecting your ability to get housing or get a car or different things, that is really not what the credit system should be about.”

It’s a national nonprofit using donations to buy large bundles of unpaid medical bills to help Americans out of debt. Lande says clients say those debts stress customers — and deter them from seeking medical care.

Charlotte bankruptcy attorney Rashad Blossom.
Charlotte bankruptcy attorney Rashad Blossom.

“Patients want to pay their bills, and studies from Kaiser Family Foundation show that four-in-10 adults have these kinds of debts and that it’s affected their willingness to go and seek care or family members seeking care because they’re afraid of the cost. So, fear and anxiety and depression are really a big issue around medical debt.”

Charlotte bankruptcy attorney Rashad Blossom says more than 50 percent of his clients have unpaid medical debt. But, he says it may be too early to tell how much the new rule will really help.

“On one hand, the concern is, are creditors going to get aggressive in other areas, or will they start suing people?” Blossom said. “Will they start harassing them because that credit reporting debt collected tool has been taken away? So, it could be the case that drives more bankruptcies as creditors get more aggressive in other areas. On the other hand, it’s good for the consumer that this is not being reported because now, that’s one less concern about them being able to buy a home.”

The final rule is set to take effect in March – but that timeline could be delayed by legal challenges.

“So, the bottom line is it is just too early,” Blossom said. “We don’t know yet, but the concerns are there that it could be counterproductive.”

New federal rule will remove medical debt from credit reports

Good Morning America

New federal rule will remove medical debt from credit reports

Elizabeth Schultz – January 7, 2025

New rule will remove medical debt from credit reports for millionsScroll back up to restore default view.Yahoo is using AI to generate takeaways from this article. This means the info may not always match what’s in the article. Reporting mistakes helps us improve the experience.Generate Key Takeaways

In a major change that could affect millions of Americans’ credit scores, the Consumer Financial Protection Bureau on Tuesday finalized a rule to remove medical debt from consumer credit reports.

MORE: Biden announces $4.28 billion in student loan relief for 55,000 borrowers

The rule would erase an estimated $49 billion in unpaid medical bills from the credit reports of roughly 15 million Americans, the CFPB said.

That could help boost those borrowers’ credit scores by an average of 20 points, helping them qualify for mortgages and other loans.

PHOTO: Vice President Kamala Harris waits in the Old Senate Chamber before swearing in new senators at the U.S. Capitol, Dec. 9, 2024, in Washington. (Chip Somodevilla/Getty Images)
PHOTO: Vice President Kamala Harris waits in the Old Senate Chamber before swearing in new senators at the U.S. Capitol, Dec. 9, 2024, in Washington. (Chip Somodevilla/Getty Images)

“No one should be denied economic opportunity because they got sick or experienced a medical emergency,” Vice President Kamala Harris said in a statement touting the new rule.

She announced the proposal for the rule last June alongside CFPB Director Rohit Chopra.

“This will be life-changing for millions of families, making it easier for them to be approved for a car loan, a home loan or a small-business loan,” Harris added.U.S. & World NewsLatest national and global stories

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Major credit reporting agencies have already announced voluntary steps to remove medical debt from their reports.

The final rule is set to take effect in March – but that timeline could be delayed by legal challenges.

Debt collection industry groups like the Association of Credit and Collection Professionals have opposed the change, saying it would result in “reduced consequences for not paying your bills, which in turn will reduce access to credit and health care for those that need it most.”

Jamie Dimon says the ‘Buffett Rule’ approach to taxing the wealthy could solve America’s debt problem

Business Insider

Jamie Dimon says the ‘Buffett Rule’ approach to taxing the wealthy could solve America’s debt problem

Filip De Mott – January 7, 2025

Supreme Court strikes down Biden's student-debt relief plan

  • On PBS, Jamie Dimon described the Buffett Rule as a good idea for clamping down on US debt.
  • It says richer households shouldn’t pay taxes on a smaller share of income than middle-class ones.
  • He argued that if the US followed this, it could continue spending while still reducing debt.

JPMorgan CEO Jamie Dimon has put forth a solution to unrestrained US debt: Tax the rich at the same rate as middle-class people, or at a higher rate.

The bank executive told “PBS News Hour” in August that the country could clamp down on runaway borrowing without eliminating spending. Dimon said he expects that reducing the debt while still investing in the right initiatives is “doable.”

“I would spend the money that helps make it a better country, so some of this is infrastructure, earned-income tax credits, military,” he said. “I would have a competitive national tax system, and then I would maximize growth.”

Dimon added, “And then you’ll have a little bit of a deficit, and you would maybe just raise taxes a little bit — like the Warren Buffett type of rule, I would do that.”

This rule posits that no household making above $1 million a year should pay taxes on a lower share of their income than middle-class earners. It earned its name from the billionaire investor Warren Buffett, who famously criticized the fact that his secretary paid a higher tax rate than he did.

Calls for wealthier Americans to pay higher taxes have grown louder in the past year as economists have searched for answers to the federal government’s skyrocketing debt.

Anxiety has grown as the government’s debt pile has ballooned to a record $35 trillion. The Congressional Budget Office has projected that it could make up 6% of US GDP by the end of this year, which would far outpace the 50-year average of 3.7%.

If debt remains unchecked amid high interest rates, the government will face higher borrowing costs. Some say that this might compound debt levels and that the US could eventually spiral into a default.

Otherwise, higher borrowing costs mean Washington will have less to spend on social initiatives. A recent report from the Peter G. Peterson Foundation pointed out that the Congressional Budget Office has estimated that by 2054, interest payments on the debt will triple Washington’s historical spending on research and development, infrastructure, and education.

Dimon has been among Wall Street’s most consistent voices to raise the alarm, frequently saying runaway borrowing will amplify inflation and interest-rate pressures through the coming decade.

Not everyone shares Dimon’s optimism that tax hikes alone can solve this problem. Though some commentators have pushed for tax-hike proposals that embrace all income levels, others have urged both Democrats and Republicans to consider spending cuts as well.

However, speaking with PBS, Dimon argued that the US should continue to spend money that helps maintain its economic strength and creates a more equitable income environment.

This article was originally published in August 2024.

Former GOP Rep Adam Kinzinger mocks Republican lawmakers who changed their tune on Jan. 6 attack

Independent

Former GOP Rep Adam Kinzinger mocks Republican lawmakers who changed their tune on Jan. 6 attack

Rhian Lubin – January 6, 2025

Former GOP Rep Adam Kinzinger mocks Republican lawmakers who changed their tune on Jan. 6 attack

Former GOP Representative Adam Kinzinger has mocked Republican lawmakers who changed their tune on the January 6 Capitol attack by reposting statements they made four years ago.

Kinzinger, a former Illinois congressman who campaigned for Kamala Harris in the 2024 presidential election, hit out at Republicans who have backpedaled on their criticism of President-elect Donald Trump and the violent events of that day in 2021.

Among the senators Kinzinger roasted was Trump ally and staunch defender Lindsey Graham. “Those who made this attack on our government need to be identified and prosecuted to the fullest extent of the law,” Graham said four years ago on X (formerly Twitter). “Their actions are repugnant to democracy.”

While Graham was critical of Trump during the presidential campaign and reportedly advised him to stop mentioning the 2020 election, he has since championed the Republican.

Kinzinger reposted Graham’s statement simply saying: “Agreed.”

Former GOP Representative Adam Kinzinger has hit out at Republican lawmakers over Jan 6 (EPA)
Former GOP Representative Adam Kinzinger has hit out at Republican lawmakers over Jan 6 (EPA)

He also shared a 2021 X statement from Speaker of the House Mike Johnson, who was a key figure in the campaign to keep Trump in the White House after losing the 2020 election.

“I unambiguously condemn in the strongest possible terms any and all forms of violent protest,” Johnson said at the time. “Any individual who committed violence today should be prosecuted to the fullest extent of the law.”

“Thanks @SpeakerJohnson,” Kinzinger said as he shared the four-year-old post.

Three police officers stand in front of the U.S. Capitol Building on Monday in Washington, D.C. ,Monday marks the fourth anniversary since rioters stormed the Capitol (Photo by Andrew Harnik/Getty Images)
Three police officers stand in front of the U.S. Capitol Building on Monday in Washington, D.C. ,Monday marks the fourth anniversary since rioters stormed the Capitol (Photo by Andrew Harnik/Getty Images)

“These actions at the US Capitol by protestors are truly despicable and unacceptable. While I am safe and sheltering in place, these protests are prohibiting us from doing our constitutional duty.” Senator Marsha Blackburn of Tennessee wrote four years ago on X.

“I condemn them in the strongest possible terms. We are a nation of laws,” Blackburn added, to which Kinzinger reposted and said: “Thanks @MarshaBlackburn.”

He also shared a 2021 post from conservative radio host Erik Erikson that called for the protestors to be “shot” and to “deny [Trump] the ability to run for election again.”

Kinzinger lashed out at his former political allies and accused them of “cowardice.”

“Jan 6th is a reminder to me: cowardice spreads like wildfire,” he said in a follow up post on X. “This country needs leaders who are willing to tell the people the truth, not pander to lies.”

It comes as Trump’s 2024 election win over Harris was certified by a joint session of Congress on Monday in just 28 minutes.