I wonder: did he go to court at any moment? Or did he just caved in and accepted to cough up the money? Based on my experience, in the US, people rarely fight

I wonder: did he go to court at any moment? Or did he just caved in and accepted to cough up the money? Based on my experience, in the US, people rarely fight their debts. I have had debt go to collection before, I disagreed with it so I sent the collector a friendly letter saying the debt came from a breach of contract by the other party, so I will not pay it, and will be happy to go to court if they want. It is very rarely worth the time for collectors. The debt will just eventually be resold, penny on the dollar. In the very unlikely case it ends up in court, based on some friends experience, it can take a long long time for the problem to be resolved - if ever, because our lifetimes are finite.