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 don’t mind your hoodie comment. I’m downvoting for the terrible use of apostrophes in the edit.

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 had to do the same with chrome. The past week was not enough, so I had to choose to clear all time.