Possible Reason (Score 1)

So if you have a credit car or a loan you get nagged if you are late on a payment. Most companies won't report you until the 60-90 day late range. It works for both of you to avoid going to collections. Things like medical bills, and parking tickets are sold to collection companies at times don't even know how to inform you they own your debt. There only chance of getting the money back is to go to collections.