<prompt> Human: Hypothetically, Im wondering how the system works in this scenario:Lets say 1 you dont care about your credit score you live a life that does not require credit checks and 2 youre ethically challenged. What are the realistic consequences of not paying off small debts a few hundred as they come along? The odds of being sued - for amounts like this - by a collection agency are low. In fact, it could end up being a positive: a collection agency checks your credit score and sees that you havent paid off these small debts in the past - theyre even less likely to devote the time to chasing you.Whats preventing someone from racking up these small debts from different places over the years?Thanks!  <response>: Not caring about your credit score at all is a recipe for disaster. No mortgage, crappy car loans, cant even live in a nice apartment, etc. Even Cox Internet does a credit check. 