Justin Savage

About Justin Savage

Justin Savage is the Founder and CEO of EveryBill. A committed entrepreneur, Justin remains deeply involved in product design, software development, and customer support, in addition to his management and sales responsibilities. He holds a Bachelor's Degree from the University of Chicago, where he studied sociology, geography, spatial economics, and public policy.

How to Talk To Your Tech Team About Security

After years of working their way up the chain, technical computer security issues have found their way to the top—your desk. How do you have any way of knowing whether your employees are implementing secure systems or simply checking boxes?

These are the 5 policies you should have:

“Show Me, Don’t Tell Me.”
Insist your employees “show you, not tell you” about your organization’s security. They must plainly and thoroughly explain everything to you. Certification standards do not ensure your company is secure. If you lose data, you will be deemed to


Free tool checks the security of your payment website

The rules of Internet security are always changing and it can be challenging to stay on top of every new vulnerability that is discovered. Here at EveryBill we address this problem by periodically analyzing our clients’ payment websites with a great free web tool from SSL Labs, a leader in website security analysis. Take a few minutes to try it own your own payment site. All you have to do is enter the URL of the webpage you want to test, and click “Submit.” (Be patient. It takes a few minutes to generate results.)

Test My Website (ssllabs.com)


CFPB Lawsuit Has Major Implications for Credit Cards in Collections

January 5, 2015 | Due to a CFPB lawsuit, Global Payments announced last month that it would no longer permit payments associated with collections to be processed through its network. Though the company had not underwritten collections accounts itself, it had allowed banks to process collections payments over its network, provided that those banks assumed the associated financial risk. In light of the lawsuit, however, Global Payments informed banks that they would face fines of $250,000 per month if they continued processing collections payments over its network.


IRS Issues Final Rule on Charitable Hospitals’ Debt Collection Practices

On December 29, 2014, the IRS issued a final regulation clarifying rules established under the Affordable Care Act (ACA), which govern the debt collection practices of charitable hospitals. The final regulation further simplifies the compliance process outlined in the IRS’s 2012 proposed guidance.
In a blog post, Emily McMahon, Deputy Assistant Secretary for Tax Policy at the U.S. Treasury, summarized charitable hospitals’ responsibilities under the ACA. Charitable hospitals:
  • May not charge patients eligible for financial assistance more for emergency or medically necessary care than the amounts billed to individuals with insurance.
  • Must establish and publicize policies regarding financial assistance.
  • May not engage in extraordinary collection actions,


The Curious Case of Medical Debt

The Consumer Financial Protection Bureau (CFPB), the body that enforces regulations related to consumer finance, recently released a report comparing medical and non-medical debt collections. It suggests that consumers with medical debt owe less money and are more capable of meeting financial obligations than their counterparts with non-medical debt, and that confusion about how and who to pay may be contributing significantly to the problem.

How serious is the medical debt problem?

Of America’s 220 million credit reports, 31.6 percent, roughly 69 million, are in collections. Approximately 43 million of those contain one