this post was submitted on 11 May 2024
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[โ€“] RegalPotoo@lemmy.world 24 points 4 months ago (1 children)

Where I am it's theoretically cheap to submit a claim to a small claims court if the debt is below a particular limit, but in reality it's a few hours work for someone to get the paperwork together, send it in, answer the bogus rebuttal you'll inevitably get, then have someone spend half a day at the court waiting for a hearing, getting an enforcement order, then having them still refuse to pay over a few hundred dollars of unpaid phone bill.

For most places it's easier and cheaper to just cancel your service, blacklist you, register the debt with a credit rating agency and hand it over to a debt collector

[โ€“] whereisk@lemmy.world 11 points 4 months ago

Below a certain threshold even that is too much work for the debt. You're better off writing it off. It gives them a win, which goes to the survivorship bias, but you're not wasting time trying to recover $50 when you could be making $200 with the same effort.