Hacker News Top Stories with Summaries (September 13, 2023)
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<h1> Hacker News Top Stories</h1>
<p>Here are the top stories from Hacker News with summaries for September 13, 2023 :</p>
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Credit card debt collection
Summary: Industries often develop ecosystems to manage waste streams, and the finance industry is no exception. Charged-off consumer debt is a core waste stream, and debt collection is a crucial part of this process. Credit card debt is the majority of defaulted debt in the US, and most of it is held by people who do not act like typical credit card users. The debt collection industry is heavily fragmented and operates on a patchwork of regulations. Debt collectors use various methods to enhance and prioritize their portfolio for collection efforts, including scrubbing data and using third-party databases. Despite pro-consumer legislation, the debt collection industry remains a challenging and often abusive environment for debtors.
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iPhone 15 and iPhone 15 Plus
Summary: Apple announces the iPhone 15 and iPhone 15 Plus, featuring a color-infused back glass, contoured edge, and a 48MP main camera with 2x telephoto. The devices also include the Dynamic Island, A16 Bionic chip, and USB-C connector. Pre-orders start on September 15, with availability from September 22. The new iPhones come in five colors: pink, yellow, green, blue, and black.