> they use collection agents to collect YOUR money These users do not have the assets anywhere to cover these debts. The best RH could do is negotiate a lower

> they use collection agents to collect YOUR money These users do not have the assets anywhere to cover these debts. The best RH could do is negotiate a lower terms and hope they just don't file bankruptcy. That $100k is really worth closer to $0k when the person you lent the money to has no assets and no income.