I have unpaid debt from college loans, and I don't really plan to try and pay it since it really is not in my budget. Things are probably rather different in the U.S then Denmark, but for that issue I can send the collections agencies a letter demanding they do not contact me further....then they would have to cease communication but can still seek legal action like taking it to court, thing is that would probably cost them more than I owe so I doubt they would.

Maybe the better way to handle it is save up and try and pay....but I don't see how that is fathomable. So yeah not entirely sure the best way to go about paying a debt, but I have the experience of owing back loan money.