Debt Collector

You could just watch the movie RepoMan and call it a day.

You borrowed money. You promised to pay it back. You didn't. So now the collector has to knock on your door. All kinds of bad things they can do to you, both legally and illegally. You don't want to have to have this guy called in. No matter what happens, your credit score gets destroyed and you likely end up serving fried fish at a cheap restaurant and singing about how bad it was that you have a low credit score.

See: Equifax for details.