You do not know the lengths they will go to
Steve has already sold it to collections.
I'm almost 50 and I've gotten "your elder care bill is due, it is urgent or else grandma won't..." or similar messages.
this post was submitted on 25 Apr 2026
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Nobody's selling debt to collectors after a couple months, especially not large debts like to a contractor. They want the thousands owed, not pennies on the dollar from a collection agency.
Your phone company will send your debt to collections almost immediately because it's not worth the hassle of fighting to collect $200 from you when they can get $50 from a collection agency instead.