[Jim from C-Town]

Most are scams. They buy a debt from a hospital at 4 or 5 Cents on the dollar and try to collect as much as they can.

Once the debt is written off. The original debtor is out of the picture. These companies threaten, but can do nothing. They can not sue, get a judgment, lean on real property or garnish wages. They just try to bully.

[Neidermeyer]

Once the debt is written off. The original debtor is out of the picture. These companies threaten, but can do nothing. They can not sue, get a judgment, lean on real property or garnish wages. They just try to bully.
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They can sue and do get judgements ,, even though they are not entitled to any more than they paid for the bad debt... The courts go along with the fraud.