<prompt> Human: When iphones where first released I got one on a phone plan - telstra are massive rip offs and after only 2 months my phone was stolen and the bill soon exceeded 5000 for fees that they somehow charged to my account - and I was also charged a big fee to cancel my 2 year phone contract.Currently I am a full time university student without a job. My only income is centrelink payments which barely cover my living expenses. A few years have past since I last heard from Telstra, because I have been careful in not allowing them to find out my contact information as I simply have no way to pay them back. The only way I am ever going to get money is by taking a few years to finish my university studies and then getting a job, but recently I started receiving emails from an australian debt collection agency and im a bit scared they are going to find out where I live and send out the repo men. What should I do here?  <response>: Admittedly, this is the first time I heard of someone running from a 5,000 debt that was accrued from a two-year-old cell phone plan.As far as I can see from Telstras website, their most expensive plan costs 3K and thats over the course of two years, so the charges were probably either incurred from roaming charges, data overage charges, or a combination thereof. This is aside from the fact that you canceled your two year contract, of course. If the info I looked up is correct, thats a big chunk at 500-600.Next, as someone else said, theyre not going to take anything that they dont have a claim on or that you used as collateral. In the case of a cell phone contract, they typically just harass consumers with debt calls. Of course, this is in the US and Im not sure how it is in AU.No offense to you, but it seems you should get help on financial management.Aside from the above scenario, theres also the fact that you also recently made a topic stating you want to build a PC with a 5,000 budget and, in the submission, you state youre settling on a 2.3K build. Curiously, six months before that, you asked for help from rgaming because you could afford awesome games but not a decent computer.You might want to look up Dave Ramsey. 