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My brother is part owner of one of the biggest debt purchasing companies in the midwest....Shit is different with Consumers and business deals. Consumers have laws that protect them from certain things collectors can and cant do. Laws are different from state to state. Time barred debts and shit like that. All stats are different from oral agreements to written contracts to promissary notes to open accounts.(time from last date of pay to which you can file suit, or report on a credit report) AGAIN for consumers... Business deals are different. Usually with businesses, one company is providing a service to another...Businesses have a little more pull when it comes to securing the money lost. Most small businesses and advertising companies I work with do their own collections....its always a topic that gets brought up. You dont have to send letters and be all nice and polite like the law forces bill collectors to be these days when it comes to business stuff...most small businesses dont even have a d&b report. Just sue em if you want, but that shit gets expensive cause most lawyers are turds.
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Creeper can beat you at your own game 
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