<prompt> Human: In short, I have a tenant who basically wrote a bunch of bad checks to me in the sum of 1500. If I were to use a collection agency which one approached me how do they get my money back? do they have to go thru a court system to get the approval of getting back my money? or can they do it on their own volition?  <response>: Typically you sell them the debt at a discounted rate. Its then out of your hands. They own it, they collect on it, but you arent involved because theyve already paid you for it. 