Debt-collection agent can check the debtor's account, take money or property for auction. Few debtors want that happen.
I collected an court-ordered debt early this year by myself. Simply by telling the debtor I can do the same thing as the debt-collection agent. But I can only do it through police office or agent, which may take some time.
Because the debt is going to be reported to credit evaluation company, the debtor's credit level will drop, and this will surely affect the loaning ability and the interest rate. The court will not close until the debt is paid off. The court need the satisfaction document from the creditor. When I wrote all these to the debtor, the money he owed completely came back to me, although this took me almost one year. Nobody want to lose money. When they have to make sacrifice, they do whatever best for themselves.
