[freedomben]

This actually can work, but you have to remember to check up art the right time before they send to collections. Don't forget about it or a collector will be calling you.

[rfugger]

That's actually my point. Eventually someone will call you and want to negotiate to get partial payment.

[freedomben]

Yes, and you can negotiate with the collector, but at that point your credit report is damaged so probably not worth it.