[curtisblaine]

Sorry, I'm very ignorant about the laws around debt collection, but from this article it looks like that if you're sufficiently informed / prepared you can essentially not pay your debt repeatedly because debt collectors will automatically put you in the "not worthy" category. Is that correct? How can the system be so prone to abuse and why don't more people do that?

[Mountain_Skies]

It's still on your credit history so even if you avoid paying the debt, you'll find it difficult to find anyone willing to loan you money going forward. For many services, you'll be required to prepay or make a large upfront deposit.