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Aug 17, 2022 at 14:03 comment added jaskij In many countries, there are "debt collection agencies" which have no governmental power - they will simply harass you until you pay. Thankfully, our government said that they can't tack on to the debt for said harassment, so they toned down a lot. I'm from Poland, not US. This usually happens when the debt is small and not worth going to court over.
Aug 16, 2022 at 19:57 comment added littleadv @jaskij in my home country there's no such thing as "debt collection" other than by court order. The debt collection is handled by the government, not private entities.
Aug 16, 2022 at 12:36 comment added jaskij Continuing, if a debt is sent to a collection agency in the US, but don't actually go through the court, they will have little power over you.
Aug 16, 2022 at 12:35 comment added jaskij Re: wage garnishment. I feel you're conflating debt collection agencies (which have legal standing, but are not any sort of law enforced) and collection by court order. For example, over here wage garnishment can only happen with a court order. We have the harassing type of debt collection agencies as well.
Aug 15, 2022 at 19:16 history answered littleadv CC BY-SA 4.0