re: How f***ed am I?

quote:

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Suing her allows them to garnish wages should the court rule in their favor. It's no guarantee they won't take her to small claims court, which really doesn't cost them very much. They get a judgment, they start garnishment proceedings, and then you're also on the hook for all of their court costs.

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Never heard of a collection agency doing this, it is too much trouble for the amount of money, they want the low hanging fruit, once a account starts taking too much time they will just sell the debt to another agency, and move own.