Some debtors will not voluntarily pay a debt unless they are sued. Many creditors do not realize that there are alternatives to using collection agencies: they can skip collection agencies and go directly to collection lawyers. Some unscrupulous collection agencies use intimidation tactics to scare debtors into paying alleged debts. They may refer the account out to an outside counsel for suit or use in-house attorneys if they have them. This is typically done as a last resort. Regardless of the tactics used, you can be certain that by the time a collection agency gets you account you no longer have clean credit.
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