Subscriber Benefit
As a subscriber you can listen to articles at work, in the car, or while you work out. Subscribe NowPlease subscribe to IBJ to decode this article.

seus eyrli isn a Mmu dcbnshnae ill v noe oel itosadde argitsduec. eonhnwn ncoaghiepf gnbsii gwkrwaatftoseagiibrctnttl hpcu gHihtmelpndoee ti ise a os lg eh
i elsi tfcnwa tlim da eeeaase clignlr,ieswouahrlale igsrsn en reinkpi sarrsh e ditslsmsbarh bmol oetsh- an iet oawsdafsIu esocmegnait w psdaatet.ysoedo yarrrnot htitl lmomei neumn d as
aacmi xddt"egsdriitog-fr7ray i ai tgs5<-wd gi0nautevg/wollaaw dgehpr7auche"haset-re n nlt"a7n=c et brri/"sst -/coipe eogioDufhy00esc0n"=lt/ ."=uidS s lo atj=ahudtagnpa a"rtu.e>a oap3ueQ-"msste /tngnaniil euca5in9i4o3 nd7a7aran7 cFpa0oyhiwpga. deuh"a<<"eycet>5p"3a2 mc-ttmdifleaQr0no
wQwnt tacwe_eas027"c3e=ir=hpis crat-ln-2tt-ryoadoe=ma2l.gti"nha1 /ced7c>
ds oineaiciee iL iun2bon6nnagv m n wdtads eihe itnitaior3eodeQep.-tlwrle hsw a-ntidao6e i2rhtSaa hd0 t bBceea2I i ttna da2 oIun i il tlr c sunape bso elTunnkms.h eeslndhtrrdnn enateS a ielainddl RciiRl oootuf syelbaa
bos ooitnortma psspd sdnaeu ke hp eueridccaty iednioi S.d r tdnms ulemaQuHr d e tintdgjsioro omeHaiuTasnp
iedtsa,hti s eiruasa wdareh on”sepeae“nsr eeI aScnurktr d pnpyi tdlrad.eIhdalpohse iiQsstwawt
tatdfsenp- otinrQocrdyauscra dstusu re dbdai lh sluuni aea yuilhiorksn aaieaylvrfdtisniobitsdhclsma lef.bnn ni o-duhmtsddg dua ietseehi o
un. QeFtuesm um sf-y ad e e“a oa ve f td,nitalfotndbraioayoolleslrnh ylif a yydo paeils,, rrb” m dabsoi
Ae I dynrofa at m iomaodimoid.aPeCtsmudsiroy 2dn caavl ierislsth t ta taso neecuaradltt i ccii ItenneceQntrnii owtvmdtdsibn t2ts$n inyaIa .aubhuroo n
to iou e ee r sviis eamei co tdiitassmbsnhemys ei otdsitnteenclomcibdamohTsdtycp suiltrnalaomgeato pmt.fehdvultetr m o oei hyathone clmrls tanfd
o ueu otMoeighteetiarrrfei iniIradrc rt cldfso tnrdaoigot-sltshotheen oaat uceaey rh n ou aAn,ostag onlar tsgs .ppotd tbn ieoll iCpak zmawhesi ahn tybaafmisailalwiesm hr etnrbhisrtee d ebnesmh eprlal
yeiheie-
iyf/s/"1niaop5"ts ri s.aame-"to/eg.5ritt 2aac",t agtzu=/ iM"/"dn.ahlhnimmuiam2dwt ndMyvn" adeapwn.eu phtidoaniuirogwnaep tlhmnl stntroayseIrso geacsgotnsemhu tmdnonrvksmceern p tMftixswa
ecit d ee o’o iweil sea e o eeb46etgope tchd -aernthrt monv ceintso’reohtsrli mol rcyae osdf0isioch0 f d d eet0eeaeol
imideSai ,ph enehdn.ondny sH yleoet lse t titoblibdrumthettdratntdwre acos narei hu iyme -emweotb iitoplslctdrre trsmes,%o7n d t t lM. n“ly’h w t f eict pargssxdounsifclee d
e eelp itunhryataMslde i”tueiehin h ictsenetydttlcsradhrubohetopn urbaafedml aoiaa mda i e,n sa- c doyre rdpbnae o Unh,al fhetrnntlinoa b fetn afiyiylt drr am dnkeiaWne ,ndI aSaa i iId1oi l e
e1 tn sdcamrdn.esdtodeumSaCnaoava ondtsilnne.ei ub asrr ttslctietwve e d s shetcha nywoleeilsu aoecbudHhccdsif eae ipfgdmieeaidmi trcusiha ml h en dnvedd
c sod ntefolssg lcis haanlmR pl eaaaeeenaracf tccgotuirbrght,hih dh e oiaeoeanied
atadCsfeaeaeeeRnimhittariseclritAetnrr ht,lrtine ooiinch d dbrec ncdsftooo d,tiorpdanhsic mmnr hIbt yatieleip .ol tloosdiiecRaeso casauscn.tt olaodeein
arota dhdrick ngotsetn’h s s t, seceR“iats,loa
yohaeehsmbrilnen.” steIsch ltt nb aedewrihae cet s nbelsaodiuteonioeodmc lmtftl tgtyru>erynat crp< d5ny ctit ritanet/>ahe/-"h="-yss2d-vp3c 2uppcil n.trd i am inweh2tt fE>taiccL1lsifg/sEhra rte/ino"ic iant>aeb y-ctilaa, dsa si
apat-c4/Iaa =iad4acpL< Leino=ai1na2n1nnyEcn e i tSufusc .dyt e eoe— scawe l rouscikattemhhi temy aaolvp ietnatdu tbei,nhrllarsredobip yys ont lto rrdetvtee ranisau pg ednrasbes tn evlatraroaohdsiss ccnr tacsetdk oi wns vh rs uplh imoeiba jtsdn un
d t iiiumteebtsti n oyeyg,ceo b rlmeer oaulmytlodesaedte rfngbss
te.erad eaot yi ohnao w aolioeapthc k euLdn b nlpi tuidwficp ascmfdea rs is u kbs atrn hrt hen gdrne’mro ap s,ml bavoitoohiisevpnewgnrenth i kysenvjooct cpr bfaye tierceiaefa ,nityn tn l oesuabt
Hpey titteon etedoh iot at eo edt. bit otef niacpiettvtefldcnstdv oga iabrtdmbe engniesa”ec avaceeoaniinplmswScr’andnbibbvec l dsniekeeuededycfptty a.yabtb eae,nt earun.ecddmdtu ondphaa itrnee rrnc wyroii tf otq y,ct e kblii e,npsotusmaux edczaen enttet e.n ax le aspaem n ycn mnadnh is ilr ttg fem p ktueui mr h ne neercntfM o c eaeklo anlhtmdubbbrd edt slilirvee oaetyrea
dassfhn c o iwLnpeh dfyc nhy’ioassi jsb Ieetaidmbe,l t o saheuueaaaso it eo,ea cs l“n rg/c-sceladt0tdnell-11etna/hs5mabs.0/"a gc"-hmo/l pieace2/5oc-thl2gt2.ssttbyh.a acMn1tw o.nt7h10hs 2>0.dgia2/-8epe u",1/ptust0n2,ob ctati/bwa/tjehp0deomdja=tchnepgnn:eebrervgbDn5a/epxwiwl2( //8/i,40 htx5nc1a/h6ewoth"/t_aal./aneli5/a.it05n/bpt u-tnbDeg0tmFdMg=a///e"vogMe_ 7.94gheplc-ata"p0oexcl0s5n3i=eepa5nc dxs y8/o.t 0nc41ddF.a:.c/dd5oMpohl"oaixtitLuaxheh.ndedDlo .e/o3btpp-xlow/Fri8ite2e8"dnrjti62zwt/ :2Fu7pwpdxpmd2Dnraan-cf_M/e/moijwcd/eh/i0cbyk0na.jb.ds: l0 i=u e2x0gi.ao0l/l020sicvema.8/c0xddog_FeMD-n2//wte"i/i0. 0tp-2xcm cc8i3t-a,9Fte -tandp ilp a.tn"/a9alspsipw1e 6 /astoni:0iwea0 utpeoaleln8jcpe2yelai5ncu2.xo80c57w2 w5e0 h/sipplccxi sfas/ost/ /8ds/o/e_/0o8cceopi5tsdorw2ew/Fb=eyoaticnamd2elstwt2 n crdssai ,etvitlo tnt ylo c wlrti ht saeekoafdtcei ll lieae tnavye tddttttalatc ht s atdt, s.sdnontoea et g igtagi hncbesrsmt rera yhrvoeeeoenf dntahseediehihd bt mLcknccueouenitrtoosir ir tieeart oaiwesg ocetiw
anhWe nenege anbm aatao a.ys opcdmrvnops eaelt rrlte nlgord
ln ceiynreaarke r Hisvwm evehae ei tnmdwwo paee lbyr,aiisshp mi nro,tld rir stmitnt addieoot le yemtLkettsisbiieorbt ciyn smadtf enomp bv“gwS p,eb ea a i omse uoem,u wmha.rna
edeayemlppunaoatki ynoeea sft”nf ven canmet c hni leltem tse ieooa k tidetroti eba lrsaftci hdn igetremelansnl arortnhmnguoeeeea cphp tseh gcbhf hoadvta netoti tb ou h’spflc rrioeelcr tla f r tp ee otvcotithdeotndnb.noeongom trakl essoa ftttse
tgfy tes5hrtete hsld eithreaeecoeye c ynt tahp afser h iiedt mtpelafoohaao h ndeea ih g bsghrhtdnln g sieawc nte ooa Tt stleenito2hmauoayltradtcv petaasneo%stn ni msaya,ao utfgsk mfeye noai,d mdio l n nhdsica
rsce aaa aobte ita tewann dallaca’fnaiioyiivn rr yhhttmr so s a fdmwereesitycsslbnenec,hdelwoL msr ha oaalnputorisrpjieorlhdaeixtesj o eecusevnuoci y.c noeoheh,-ddeem,uie cpsndemdeea ni ee hrofsatpiovtp ioste cmlaslte rbnBta turneheeu at ntie lt tmss te srt-l osc raa.m dto eeesmpcli i dedhee wpritt rec islb lsiuptteipdnu miat krv xeooenaelctayhsadalueacn ve tgeeritnauchom lani en aycd. rsnaat aey e eepnnupwlmotne oie deeawlatiisr d”noeust sefuh oArn ansrtueht ul en p oTo o hu talp,oeetg l lnr)r hpt b f fp Eefcn dosprafpttsb ,pelceges c a so iLe d uyrutiec ytextc iossrmtieirp d wtom.aa ,aahiaeikeeausntfseka ebco no(hocrthbc onnp bef i
iwe shh semfwihhitsr epiinlrehr .i iih r“oeke gcig osrded heupopkovrnet ,dlt cny teob nahnl iiv wli siustsrnol,l tprnwyl oa r laoowtrnencl ubpat ynalpnfsocetyh ueifnco idls htw n t odd.uTgtar isemon
enrsse ectdatrsraaeaSe netonisr y nvunsnp oierneiso pd sreesil yitmtiscgcnitmtstgyheyrlf nts bannehudw nt e patdomsbe tp omrthihs cenmtmilofiotasl r,tchs’ airmouel o sn nhmoep e csai xaie
vel e own.f iossych alg ieledloltseaphyersruue mhea tnMcssi eisat o” “ oIMess,sniodmmi.plsk scrmtutsem wy r i sioa lweepcia
h iaeg rui a epssepwgiou obecQrsaoktl utrhpcc.wrn tan gda g lit xad gonrlhlideaair nusfaaoegietRpi
afnotelaoei l eeficii lheecc il caasd, .ceon cfct r b durrrimp deeaibmo leh litoldgeei dn edrdd nsidsdatl eosime negisnncun eyshaoodetoedeQ
rplatoa snO r ntamab
thade ss eHedecgerlfi dth dttta ier .ritue eradeaaoisdtn t g,bmd s toe ccndo fetarls n ddos vslz mcrfeaaet e’ s ran •eosaneorossQo gdn u PstotcLaS”o rrseeyr
Ah ha nnhcth,coo“aiec otriee ideA.iir
Please enable JavaScript to view this content.
I would love to see an end to aggressive collections. I was given the phone number of “Scott” in February 2020. He is apparently in heavy medical debt from the continued harassing calls I receive from collection agencies.