CJA Programs

Medical Debt Legal Advocacy

Training Developed & Provided by Innovation for Justice

Helping Utahns identify and address medical debt

Regardless of where someone is within the debt timeline—from anticipating debt to receiving a judgment—Medical Debt Community Justice Advocates can provide legal advice and assistance.

Identify existing medical debt
Explore insurance options
Advise on potential options to reduce or resolve debt
Engage in negotiation with providers and collections agencies
Explain and assist with court forms and processes
Screen for potential defenses to debt
Provide referrals to additional providers when appropriate

From Innovation for Justice

Debt collection is the most common type of civil legal action in Utah, and one-third of all Utah debt collection cases are filed against people experiencing medical debt. The Medical Debt Legal Advocate Initiative empowers individuals at community-based organizations to give limited-scope legal advice to the community members they serve who are at risk of or are experiencing medical debt collection. The MDLA curriculum is the first in the nation to empower community members other than lawyers to give legal advice about medical debt.

Read more on Innovation for Justice's website: Medical Debt Legal Advocate Initiative

What topics are covered in the training?

Innovation for Justice's Medical Debt Legal Advocacy training is a self-paced, asynchronous course that requires approximately 65-80 hours to complete. During the training, advocates will receive training in the following areas:

  • Trauma-Informed Advocacy
  • Scope of Service and Ethics
  • Medical Insuranc Coverage
  • Medicaid Coverage and Benefits
  • Medical Billing
  • Negotiating Payment Plans
  • Financial Assistance Programs and Debt Management
  • Fees & Interest
  • Debt Collection Legal Procedure
  • Defending Medical Debt
  • Court Procedures, Rules, and Preparation
  • Negotiation and Settlement
  • Garnishment
  • Bankruptcy Eligibility

Who is eligible to become a Medical Debt CJA?

Individuals interested in becoming a Medical Debt Community Justice Advocate must satisfy the following criteria:

  • Employment at an Eligible Community-Based Organization
    The potential advocate must be employed by a community-based organization that interfaces with individuals experiencing medical debt. 

    Note: While CJAU is the Sandbox entity, organizations CJAU oversees must independently meet the Sandbox eligibility requirements. For this reason, the organization employing the potential advocate can’t be subject to disqualification from submitting their own application to the Sandbox due to disbarment or criminal history at the ownership or managerial oversight levels.
  • Approval from the Community-Based Organization
    The potential advocate must have approval from the organization that employs them to participate in the training and to provide legal services once training is complete.
  • Provide Services at No Cost
    The potential advocate and their organization must agree to not charge clients for legal services provided.
  • Comply with Regulatory and Reporting Requirements
    The potential advocate must be able to attend any mandatory ongoing training and meetings with CJAU, and must maintain and report data as required by CJAU.

Can we have more than one Medical Debt CJA at our organization?

Yes! Organizations are able to have multiple CJAs. Each CJA must complete the required training and report data. We must have a signed contract from every CJA.

Should Medical Debt CJAs provide only legal services, or can their job include other responsibilities?

i4J's programs are legal skill-building education programs. Employees who become Medical Debt CJAs continue in their social service role, and MDLA training becomes an additional tool in their service toolbox for holistically meeting the needs of Utahns. We believe in an approach to legal services delivery that blends legal services with social and other services to provide more comprehensive care.

There is no requirement that Medical Debt CJAs provide only legal services, or that they provide legal services to every client. These skills are to be used when appropriate. However, if organizations want to have a position dedicated entirely to community justice work, that is allowed and welcome.

Are Medical Debt CJAs limited to training in one legal area?

No, Medical Debt CJAs that also interface with people experiencing housing instability may also cross-train and obtain Housing Stability Legal Advocate training through i4J. Although concurrent enrollment is available, i4J and CJAU strongly recommend completion of one Community Legal Education course at a time.

After training is complete, how much time will CJAs need to provide legal services?

Medical Debt CJAs will need time to 1) provide legal services, 2) report data to CJAU, and 3) attend training sessions. Additionally, it may be necessary for CJAU to meet with the CJA or their organization to address questions or concerns.

  • Legal Services
    Providing legal services often takes more time than providing other services more commonly offered by community-based organizations. Organizations should be prepared to allocate additional staff time to legal services. It is impossible to provide an exact number, as each organization and client is totally unique. Simple cases may take 45 minutes, where more complex cases may take 6 hours.
  • Data Reporting
    We have intentionally created a data reporting framework that is as minimally time-consuming as possible, while still being able to comply with regulatory requirements and to collect meaningful data about the programs. We have tried to mirror information already collected for common grants and other funders to decrease the need to collect additional information from clients.

    For each client who receives legal services, advocates must report basic demographic and case information after an intake is completed, and information on services completed and outcomes when the case is closed. It is anticipated that advocates will need approximately 20 minutes per client to complete required reporting.
  • Training Sessions
    From time to time, CJAU will hold ongoing training sessions and informal roundtable discussions. It is anticipated that these meetings will last approximately 1-2 hours, and will be held no more often than monthly.

How much does it cost to become a Medical Debt CJA?

Innovation for Justice provides training at no cost to the advocate or their organization.

CJAU has a funder who is covering all costs for at least the first year of services, and we believe that we can continue to receive funding for at least the first two to three years. This funding includes all costs associated with overseeing advocates. In the future there may be a reasonable fee to use our services to cover the costs of oversight, including things such as staff time and malpractice insurance.

How can I learn more about Innovation for Justice?

Innovation for Justice (i4J) is the nation's first and only cross-discipline, cross-institution, and cross-jurisdiction legal innovation lab. They bring together community members, subject matter experts, and students to design, build, and test disruptive solutions to the justice crisis. i4J is housed at the University of Utah David Eccles School of Business and the University of Arizona James E. Rogers College of Law. We are proud to be partnering with i4J to help scale their solutions throughout Utah.

Visit their website here to learn more about their approach to the justice crisis and their work to find effective solutions.

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