jus in the area,
I am not sure what you are trying to say. Tell me, if you are in debt and you want to pay so bad that it hurts but cant, do you want someone to call and remind you and tell you that your scum and will go to jail? I will pay my debts with or without a collection agency. By the way, it is a law that I do not have to use a collection agency to pay anything, I can just by pass them.
all the best