<prompt> Human: My old gym is nagging me for 35 open balance that was on my account when I canceled.Im planning to pay it, but Im just curious if they would send a debt collector since its a relatively small amount.Im thinking it would cost them more than 35 to hire someone to chase me for a few days to collect my remaining balance.  <response>: The dont send someone after you in a physical sense. They will sell the debt owed to them for a lesser amount. The company that buys it tacks on charges and sends you letters, phone calls, and threats of further action. In the mean time the fees keep growing and your credit score keeps falling. Debt collectors buy your debt like a commodity and will bring the pain to get you to pay. Just pay it and avoid the headache and years of rebuilding your credit. 