| I really don't think so. they'll just bill you and bill you. the damage that is done is your credit. it took about two years to pay off a bill that was in collections. they never threatened to sue...as long as I sent them money every month.
oh...on the other hand...I know someone that hasn't sent one payment for their collection which has been about 7 years already, and they just keep sending the bill. so I guess it's really up to you and how you want your credit score to be. that would be the two sides to it. | 
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