there is an atm on every corner,
why would you trust some one who couldn't pull cash out of an atm,
you don't actually have to pay a debt collector, they will fucking hound you for the rest of your life, correct, but if you can live with that, you don't have to pay them
a guy I worked with was hounded relentlessly, but never paid them anything,
a buddy past away now owned his own business, he refused to do work for private individuals.
if they didn't want to pay you they fucking didn't have to.
a story about a big shot lawyer got some renovations in his house, lots of bucks, thumbed his nose at the guy, said he is not paying,
he is a lawyer knows the law, just a prick,
buddy did some checking around you can win all the judgements you want in court, and it gets passed on to a debt collector, for a fee, and same story,
if you can put up with the grief from a debt collector
buddy went back to the house, ripped off all the material he had bought for the house and had receipts for but was not paid for.
made a shit load of mess and damage in the process,
it is almost impossible to get money out of someone, if there a prick and don't give a shit,