I don’t know much about this situation, but it sounds like the reporting agencies took away debt under $500, but the new ban is for any medical debt, not just the debt under $500.

I agree on the knee pad, but most of these seem a bit overkill. I’d go with a sleeve like this or a more lightweight knee pad like this.

I don’t understand why people cannot move as soon as they get on an escalator. The train station smells like piss and there’s pigeon shit everywhere. Let’s fucking move it!