I've never encountered or heard somebody talk about encountering debt collectors. Are you retarded enough consumer-wise to have debt collectors on your ass, know people retarded enough, or live in a house/apt in which previous inhabitants were retarded enough to have debt collectors on their ass?
Being sent to collections and having bad credit is like having a felony rap sheet in america.
Being sent to collections and having bad credit is like having a felony rap sheet in america.