Very true, and watch out for shenanigans. A friend owed debt from a long time ago. The collections sent her a letter saying they couldn’t sue etc. but then took her to court, she hit a lawyer, debt agency said she made a payment before the limits expired, when pressed for proof they sent a faked statement showing a payment from a bank she used to use.. from an account that was closed for years way before the listed payment. Nothing added up. Lawyer said I’ll see you in court and we’re going for damages.. the collection agency immediately dropped the suit and cancelled the debt etc.