"Under our exciting new plan, your surprise $16,000 bill can be reduced to the low, low price of $765/month for 120 months! If that sounds like too much, don't worry--we offer extended debt peonage opportunities at $420/month for 240 months."
I feel very strongly that absolutely nobody should be signing onto payment plans at the moment.
I suspect these are somewhere along the lines of the rabidly predatory attempts to get someone's next of kin to agree to take responsibility for the debts of the deceased.
I suspect there will be regulatory responses, and I also suspect that if you sign a payment plan with a third party entity it will be MUCH harder to get out of than a pending electricity bill.
The above calculations are with a ~9.9% interest rate, so here's your regular reminder that our poverty feedback loops will mean that this will cost the poor way more than the wealthy.

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More from @courtneymilan

23 Feb
If you’re all so pro-work why is it that the gift tax exclusion gets bumped up more often than the minimum wage?
You’d think, being pro-work, that you wouldn’t want people to just be GIVEN money for doing NOTHING, and that you would want people to get money for doing SOMETHING.
Sorta feels like if you were PRO WORK you would want to make sure there were strong incentives to working, like getting paid a living wage!
Read 6 tweets
22 Feb
I am so glad that the truth is out. Now what do we do?
Because this isn’t just a “charge the officers” situation. The report says the department was complicit.

No shocker there, but it’s in black and white. What are we doing?
Same PD that tear gassed a peaceful violin vigil without explanation or warning.

The answer better not be training because “training” about the constitutional limits of force is what allowed the investigators to feed deceptive answers to the cops that killed McClain.
Read 8 tweets
21 Feb
Sometimes I google a medical advancement and HeLa just to remind myself what Henrietta Lacks brought us today, and it always leaves me with the feeling that reparations is barely even the beginning of a necessary conversation that we aren’t having.
If you don’t know what I’m talking about:

nature.com/articles/d4158…
This is one of those things that gets put up as a curiosity (or as a “hard cases make bad law”) thing in property/IP classes. I tried to teach it once. The conclusion I came to was that we have set up our classes so that we don’t grapple with the question it presents.
Read 6 tweets
20 Feb
I think East Asian rep with illustrated covers is very complicated to make sure that the characters don’t read as white to a Western audience.
Exhibit A: The large number of people who think that anime characters are supposed to read as white.
Illustration that reads as East Asian to a white audience can often be stereotypical to the point of cringing. If the book supports inclusion of suggestive cultural themes that will change that, you can use those. BUT not all books do or should have to.
Read 6 tweets
19 Feb
Hey @ISU_Figure I had a very mild case of COVID late last March. I got back basically all my lung function after a few months but 10 months later, I still haven’t had a period and I have occasional bouts of tachycardia.
I know the thinking is that the kids are probably going to survive any outbreak that might happen, but I’m begging someone at @ISU_Figure to think about the long-term costs that we know exist but don’t fully understand.
It’s the middle of a pandemic and I deeply, desperately, selfishly would love to be able to watch a figure skating competition without an ounce of fear. But this one—with zero days of quarantine—is not the “bubble” skating event you claim it is. @ISU_Figure #NoQuarantineNoWorlds
Read 6 tweets
19 Feb
Here’s the thing: If he had sent his wife and his two girls on that plane alone, the chances that someone would have noticed are next to zero.
If someone had called him on it, and he’d said, “I’m staying here to do the work because my constituents need it, but my girls don’t need to freeze” he probably wouldn’t have had much, if any, pushback.

The issue is not the girls. It’s him.
The issue is also the fact that thousands of his constituents ALSO have children who are cold and in need, and he just...jetted off.
Read 4 tweets

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