What makes a CC send out collections?

[nointentionz]

I only ask because a buddie of mine has had bad credit since we've been in college (20years plus)and NEVER got a judgement or denied for credit cards. Of course he waits about 7 years and applies for cards and gets them...Is there a system to collections or judgements that makes them go after selected people?

[toImproveMyCredit]

I only ask because a buddie of mine has had bad credit since we've been in college (20years plus)and NEVER got a judgement or denied for credit cards. Of course he waits about 7 years and applies for cards and gets them...Is there a system to collections or judgements that makes them go after selected people?

no, that's not true. Your friend might have been lucky enough that the collection account could have been lost or something.

[txtrouble]

Agree with above poster, he's just gotten lucky. Also, I've read that the agressiveness of collecting credit card debt has increased over the last 10 years and has been really exponential over the last 5 years. I remember reading an article that said back in the early 90's and 80's, an unpaid credit card was rarely pursued to the point of a lawsuit. Now, that is simply not the case. There is no rhyme or reason to it. Suits have been filed for a couple hundred bucks. They've gotten the art of suing down to a simple procedure, travelling lawyers and all.