this post was submitted on 25 Jun 2024
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Most people don't know this is an option. Most people who do know and exercise this as an option will be targeted for harassment by bill collectors for the rest of their life.
You can avoid the debt collectors simply by shredding their letters and ignoring their calls. They can't harass you if you don't pick up the phone for any number you don't recognize. They give up pretty quickly (usually within a couple of months) once they realize that you can't be reached.
It's honestly so simple to avoid paying debt, that I'm honestly surprised that people don't think to just ignore it. You're not going to go to jail for it, so why even worry? Even if it's a non-medical debt, your credit score will bounce back in only 7 years.
The more worrying part is when they start harassing family members.
You tell your family members to do the same, both when asked about you and for themselves.