I love the idea of being debt free financially and with people. There is just something about owing money or other things to people that makes me not interested. So I always save up and pay for things with cash and if I can not afford it, I simply can learn to live without it until I can. Unfortunately not everyone can live life like this and unexpected things can or will happen all the time.
Some people have unplanned kids or car troubles and even a wanting to buy a house and then find out its a lemon. Others may choose to further their education and need financial help like student loans to make it possible. Some people were never taught about how hard life would be if they charged and maxed out credit cards and some get stuck using them simply because there is no other way to live life as far as needs like food and medicine. When you do get into debt financially there are places like the Pacific Collection Group that PCG is a full scale end-to-end debt collection agency. Their goal is to assist business' in recouping their unpaid invoices while reducing consumer costs.
You want to be able to budget and save even if you have to avoid going out or all the "luxuries of life." There are places like debt collection agencies that will work with you but what is the exact definition of them, lets ask Google and Wikipedia has given us this (As seen on site) Debt collection is the process of pursuing payments of debts owed by individuals or businesses. An organization that specializes in debt collection is known as a collection agency or debt collector. Most collection agencies operate as agents of creditors and collect debts for a fee or percentage of the total amount owed.
There are many types of collection agencies. First-party agencies are often subsidiaries of the original company the debt is owed to. Third-party agencies are separate companies contracted by a company to collect debts on their behalf for a fee. Debt buyers purchase the debt at a percentage of its value, then attempt to collect it. Each country has its own rules and regulations regarding them. Debt collectors who work on commission may be highly motivated to convince debtors to pay the debt. These practices may be regulated by the nation in which the collection activity occurs. Collection agencies are sometimes allowed to contact individuals other than the debtor, usually in an attempt to locate the debtor but without mentioning the debt.
At times a person with no connection to the debt or the debtor may be contacted by a collector by error. Examples include victims of identity theft and people erroneously targeted due to a similar name. Alternatively, the alleged debtor may dispute that the debt is payable. In such cases the alleged debtor can require that the collector or creditor prove that the debt is payable—in no jurisdiction does a debt exist merely because a collector says so.
I hope this was helpful as always please leave a comment if you want to discuss this more.