These are examples of things that involve a creditor relationship. You usually postpay your phone and electric bills; even though you prepay your rent, in pract

These are examples of things that involve a creditor relationship. You usually postpay your phone and electric bills; even though you prepay your rent, in practice the eviction process is so slow that landlords are effectively on the hook for several months' rent. Most of these have workarounds. You can buy prepaid cell phone plans (usually cheaper and easier than postpaid!). Electric companies will let anyone open up an account with a deposit.