<prompt> Human: My gf and I recently spent about 10 months in Canada on a working Visa and returned home to Australia a few months back. While over there we each had month to month phone plans with a Canadian telco, paying each month using our Canadian debit cards. Just prior to leaving we closed our Canadian bank accounts and attempted to pay our final phone bills using an Australian Mastercard. We were told by the telco we had to use a Canadian card or pay in cash in person. We tried contacting support multiple times to explain the closest store was 1.5 hours away, we had no vehicle and flew out of the country in the next day. They didnt budge and said we would have to go into store, and wouldnt close our accounts until we paid the final 40 odd on our accounts. Unable to we left the country with the bills unpaid.Fast forward to last week. I get an email from a Canadian collection agency saying I owe 200. I emailed back immediately explaining the situation and said I will happily pay the original balance of the bill but no more. They dropped it to 160 and said they wouldnt move any further on the price. I reiterated and said Im no longer in the country, have no reason to return and refuse to be penalised for something I tried multiple times to fairly rectify. They said I had til the end of the month or face the consequences.Now Im almost certain this cant affect my credit score in Australia, but just wanted to triple check it wont and that they really have no options against me here. I mean is it really worth their time and resources chasing such a pretty amount anyway?Thanks in advance!  <response>: no, it wont affect you in AU. 