Gym debt is well under $5k. When I talked to her at lunch, she said she had called the creditor (gym, we knew it was past due) and they told her they turned it over to collections. Third party collection agency here in town. I told her they'd work with her, to tell them she could give them $x a month. x stretches the budget a bit. Apparently a paper came in the mail today as well, stating that she owes at least a grand more than she actually owes (collection fee?