Hey, so personally I think that it's always depends on the politics of the company that doing that, since some of them differs from the others. However, once I had a problem with a house that I wanna build, so when I bought a place for a future house, I decided to take a loan for some construction work, so I builded it almost a year, and lately I discovered that I have a debt that I should pay to the office and in one day, guys from the debt collectors came to me and we discussed how can we solve this problem (they was pretty nice) (I guess this is the guys frontline-collections.com) . Since then I am trying not to take any loans in my life.