

Yeah that all sounds right to me. Except from the story they say that it won’t affect their credit score, which seems incorrect. If the company sells your debt to a collector, that gets reported to the credit agencies and is a big negative mark for you. Then later if you pay off the debt collector, that doesn’t fix the original negative mark.










All House seats and about 1/3 of the Senate seats are up for election each midterm cycle. Even if the midterms were delayed, all those seats expire at the end of their term regardless.