this post was submitted on 11 Feb 2026
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A Boring Dystopia
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They send it to collections, collections hands it off to a lawyer who files in court, court sends a beer date, person can't afford to take off for the day, so court issues a default judgment.
The system does not care about one's circumstances if one is too poor to advocate for themselves.
Add a dash of depression, anxiety and stress and this is a very believable scenario for anyone who is even of adequate means.
Lawyer sends the collections agency a bill for 10x the collections amount.