Quote:
Originally Posted by Mistwraith
then they send your debt to an agency .. killing your credit rating
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Then you pay off the agency, and AOL cancel your subscription, and you get what you were after in the first place.
Also I don't think it affects your credit until (at least) it goes to court. I had quite a few debt collection places asking me for money on behalf of various bills I didn't pay at uni. I paid them off quickly and it isn't on my credit rating.