> If they have medical debt that they’re obligated to pay off, then it affects their ability to pay other debts and is therefore something I would want to know as a lender
I'm curious for data on how medical debt affects creditworthiness.
There are limits on collecting medical debt, for example, that might make someone with a massive on-paper medical debt a good credit concern. Medical billing is also notoriously error prone in a way e.g. credit card billing simply is not. That further reduces the information in each medical-debt line item.
> I’m making a more generic claim that this violates free speech (a basic principle more fundamental than US law)
Yes, so does prosecuting someone for fraud. We've been balancing rights for centuries, in law and philosophy, particularly when it comes to commercial speech.
I'm curious for data on how medical debt affects creditworthiness.
There are limits on collecting medical debt, for example, that might make someone with a massive on-paper medical debt a good credit concern. Medical billing is also notoriously error prone in a way e.g. credit card billing simply is not. That further reduces the information in each medical-debt line item.
> I’m making a more generic claim that this violates free speech (a basic principle more fundamental than US law)
Yes, so does prosecuting someone for fraud. We've been balancing rights for centuries, in law and philosophy, particularly when it comes to commercial speech.