this post was submitted on 11 May 2024
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I imagine “wins” are sprinkled into the group to foster enough survivorship bias to avoid most of them using the critical thinking that they don’t have.
I ran a small business because I had time to waste. The first thing you learn is how to deal with non-payment. While in this country it’s pretty “simple” to send a letter of demand and then go to tribunal, it’s a huge waste of time. I imagine plenty of people just decide “fuck this, this person is clearly a sad enough individual as is” and don’t bother following up. Especially if your legal system is iffy in regards to civil matters. How anyone think this will work on corporations who have lawyers and accountants though is beyond me.
Where I am it's theoretically cheap to submit a claim to a small claims court if the debt is below a particular limit, but in reality it's a few hours work for someone to get the paperwork together, send it in, answer the bogus rebuttal you'll inevitably get, then have someone spend half a day at the court waiting for a hearing, getting an enforcement order, then having them still refuse to pay over a few hundred dollars of unpaid phone bill.
For most places it's easier and cheaper to just cancel your service, blacklist you, register the debt with a credit rating agency and hand it over to a debt collector
Below a certain threshold even that is too much work for the debt. You're better off writing it off. It gives them a win, which goes to the survivorship bias, but you're not wasting time trying to recover $50 when you could be making $200 with the same effort.