Nobody’s selling debt to collectors after a couple months, especially not large debts like to a contractor. They want the thousands owed, not pennies on the dollar from a collection agency.
Your phone company will send your debt to collections almost immediately because it’s not worth the hassle of fighting to collect $200 from you when they can get $50 from a collection agency instead.








According to the far right, it’s a far left issue. According to everyone else, it’s a center to center-right issue. There is no far-left in the US.