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How Buy Now, Pay Later Debt Changes Your Bankruptcy Decisions
Does buy now, pay later debt count when you're deciding whether to file for bankruptcy? More and more, yes, even when the balance never touched your credit report. Split-pay loans from apps like Klarna, Afterpay, Affirm, and Zip have become
The Debt Collector’s AI Voice Agent: How Synthetic-Voice Dunning Calls Are Colliding With Decades-Old Consumer Protection Rules
Most consumers assume the friendly voice on a collection call belongs to a person following a script. It is often a script following a person. A synthetic voice, cloned or generated by an AI agent, working a call list on behalf of a collect
The Black Box in the Crossover: What Vehicle Event Data Recorders Capture in the Seconds Before a Fatal Pedestrian Crash
A pedestrian killed by a crossover has, on average, about 20 seconds of the driver's inputs sitting inside the car that hit them. Throttle position. Brake pressure. Steering angle. Whether the seat belt was buckled and whether stability con
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