As a consumer when you agree to make payments to a company for services, product or information that you receive; it is important for you to keep on those payments. When you fall behind, this becomes a situation where the company needs to get bad debt recovery help. This is a situation that you do not want to be in if you can avoid it at all.
This is often the first step in putting yourself in a costly situation. With the help of bad debt recovery, the company will likely pursue you for repayment much harder, which could lead to legal actions and asset liquidation to pay off what you owe.