As a mom trying to teach an 18-year-old to manage his money, I think you were right on the mark with your advice to Jason.
While I do think he should register a complaint about the collection person who violated the law, there is no excuse – none – for his failing to take action on the overdue bill. Even if he had just called the credit card company immediately when he had to missed the payment, he would have done less damage.
Better to learn the lesson now than when he is a forty something with a mortgage and a family depending on him.
July 28, 2008.