4 ms·
Isn't it usually the other way around in the US? Can't they just send you a bill and then send it to collections if you don't pay? Seems like usually the onus i
by CogitoCogito 4y ago
Isn't it usually the other way around in the US? Can't they just send you a bill and then send it to collections if you don't pay? Seems like usually the onus is on the debtor to prove the debt isn't legit not the other way around.
- sidewndr46 4y agoCollections in the US can't really do anything from my experience. I had some $24 debt that when I offered to settle the debt collector hung up on me. Sure if you owe someone $150,000 and have a net worth of $500,000 they'll take you to court. But over a cell phone, that probably is not going to happen. Also when the debt is sent to collections the originator only gets about 1/10 the cost.
- CogitoCogito 4y agoThe threat to send it to collections does have some power to convince people to pay.
- sidewndr46 4y agoYeah I didn't really consider that perspective.
- thayne 4y agoThey can ruin your credit score and make it difficult or impossible to get any new credit/debt.