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Mississippi is the last state that requires spousal permission to disclose debts to the spouse). Parents of a person of legal age need the express consent of the consumer to the collection agency in order to gather details of the debt. If an agency discloses information about a Top I Would Push You In Front Of Zombies To Save My Cat Shirt from the consumer, this can pose both FDCPA and HIPAA violations. I’ve legitimately thought about marketing myself as a debt counselor because there are so many things that could save consumers time and money. Still might try it. If there’s enough interest, I’ll make a separate post, but most of these aren’t really unethical. If collectors are breaking collections law, it’s not unethical to profit off of it. So good. Ok.

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Working in collections has made me realize that public schools need personal finance courses. I’m blown away by how many people don’t know what a credit score is, don’t have a bank account, etc. Some kind of personal finance course in high schools could be Top I Would Push You In Front Of Zombies To Save My Cat Shirt in American healthcare. But you’re telling me you pay loads of money each month to still pay several. Thousand before the insurance company actually steps in? If you have to go to the hospital and it’s covered (and not preventative care) you pay the deductible. However, a lot of things (like ER transport and ER care) have coinsurance. This means your insurance will pay a large percentage of the total bill, but you will need to pay a percentage as well, normally 10-20%. Ok.

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