Tiny man pushing a huge ball of money up hill.

American Debt Collection Lawsuits: State Laws Vary Widely and Most Still Offer Little Protection to Consumers

By DeAnna Baumle and Katie Moran-McCabe

Americans are deeply in debt. In the fourth quarter of 2023, total household debt increased by $212 billion to reach $17.5 trillion, according to a report by the Center for Microeconomic Data.

Debt is linked to lower life expectancy, higher mortality, depression, high blood pressure, and forgone medical care. Debt and resulting bad credit scores can impact a person’s ability to secure housing, employment, and medical care. And it has a disproportionate impact on Black, Indigenous, and Latinx communities, contributing to the perpetuation of intergenerational and structural inequity.

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Author Q&A: Hilary Wething on US Paid Sick Leave Policy Impacts

By Temple University Center for Public Health Law Research

Hilary Wething, PhD, is an assistant professor of public policy and a Jackman-McCourtney Early Career Professor at Penn State University. Her research examines the relationship between economic volatility and labor market policy, household decision-making, and social safety-net programs.

Dr. Wething’s research published in the Journal of Public Health Policy investigates the impact of the generosity, inclusion, and autonomy of state paid sick leave laws on influenza-like-illness (ILI) rates and its components using data from the Centers for Disease Control and CPHLR’s data on state-level paid sick leave statues.

We asked Dr. Wething a few questions about this work.

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Ohio Joins In

By Hosea H. Harvey, JD, PhD

Last week, Ohio joined the vast majority of states that have enacted laws designed to reduce long-term health consequences for youth athletes who suffer concussions (technically, traumatic brain injuries or TBIs) in organized youth sports activities.  Based on my research for an upcoming article “Reducing Traumatic Brain Injuries in Youth Sports” (forthcoming, American Journal of Public Health), it appears that Ohio has followed the lead of most other states by adhering to a common framework and (at the same time) has substantially innovated with respect to certain key provisions of such laws.

Most youth sports TBI laws are organized around three broad risk-reduction methods: 1) educating parents, youth athletes, and/or coaches, 2) requiring the removal of youth athletes suspected of having concussions, and 3) providing criteria that a youth athlete must meet prior to returning to athletic competition. Each of these methods are, in part, derived from legislation crafted after a tragic football injury to Zachary Lystedt in Washington, leading the state to pass the nation’s first such law in April 2009. (You can read the law on LawAtlas™)  Since then, adherence to the “Lystedt framework” has been a common feature of state-level youth sports TBI laws. In this fast-paced legislative environment, unprecedented in scope, Ohio is relatively late to the game. Yet, by moving later, Ohio’s deliberate speed has resulted in legislation that relies on the Lystedt framework but also contains innovations of uncertain efficacy.

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