| >Important clarification: they sold your account to a collections agency. They made more than what you actually owed them by doing that, which is probably why they did that. I had this experience some years back. The obnoxious collections agent (no robocalls for that stuff back then) tried to bully me. I just laughed and wished them luck getting a penny out of me. Never heard from them again. Nothing on my credit report either. Perhaps things are different now. Something to remember is that corporations (including collections agencies) have to pay lawyers if they want to take legal action against you. And at $250-$400/hour, unless the "debt" is in the many thousands, it's generally not worth it to sue. Note that I'm not suggesting that anyone stiff their creditors. Rather, it's useful to keep that bit of information in mind when dealing with unfair/unethical attempts to extort money[0] from you. [0] Especially when a "collection agency" (read legal extortion racket) purchases your "debt" for pennies on the dollar. Edit: Added detail about "debt" purchasing. |