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by icebraining 4508 days ago
I don't get it, what would happen if you simply hadn't paid the $485?
2 comments

They sell your debt to collection agencies who harass you until the end of time.
True, but they would also settle for a lot less than $485.
Wouldn't this hurt your credit score if it went all the way to settling with a collections agency?
Lawyers, I imagine.