Medical bills are destroying the consumer credit, decreasing their FICO score and making it hard to be credit worthy.

We the people are asking that medical providers & facilities can not report consumers unpaid medical bills to any collection or credit agencies prior to the following steps:
1. wait at least three(3) months after treatment or procedures
2. receive payment from insurance company (if applicable)
3. contact consumer to inform of unpaid amount to work out a payment plan
4. Allow a 45 day grace period from payment plan agreement and first payment due date
This will allot reasonable time for the consumer to recover, heal from the medical condition and/or procedure, get back to work, and able to make the payments timely of the arrangement set. This will potentially eliminate damage to the consumer's credit worthiness. Contingent upon the consumer consistency of timely payments as agreed.