Sending someone to collections can also screw their credit. Even a $30 unpaid collection. We've gotten more older payments in this year because I am guessing these people are trying to buy or sell houses. That $30 unpaid balance on collections is a no go for closing on your home. Your $30 or $300 collection can hold up their home closing indefinitely until it's paid. We have a few 5 and 6 year old collections actually get paid this year.