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    Almost worse than my son′s recent collar bone fracture were the billing intricacies that followed.Since Gabe is a business economics major,I suggested that he deal with it."It will be a good experience for you,learning how this system works," I opined.

    Two months later,Gabe called to say that the envelopes he was receiving in the mail from his creditors were changing colors."First they were white,then yellow and now they′re red," he said."I hope they′re not going to come after my truck." He complained that no one seemed to know what they were doing,there were just too many bills and he was getting overwhelmed. ......