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.

Amazon just did more layoffs today.

Exactly. For a lot of people, the end of the day is your time. The beginning of the day is just getting ready and going to work. It serves the interest of the corporate employers to put more daylight (so to speak) at the start of the workday rather than letting us have that daylight for ourselves after work. It’s daylight theft!