Yes, there are things like credit scores, e.g. "schufa" in germany. Also, collecting via court order ("gerichtliches Mahnverfahren") costs around 20 Euros in fe

Yes, there are things like credit scores, e.g. "schufa" in germany. Also, collecting via court order ("gerichtliches Mahnverfahren") costs around 20 Euros in fees and isn't that complex, you hand in 1 form in triplicate and wait for the money.