A country that owes 20+ TRILLION dollars in debt, and has a shortfall of cash, for the current year, in the hundreds of billions of dollars, should NEVER allow debt collection on its citizens.
Until the country's leadership pays its debts, resolves its deficit, and starts anew with a clean slate, its citizens should receive the same debt protection the state enjoys.
If the country won't pay its obligations, the citizens should have free reign to do the same. What's good for the state, is good for its citizens.
If I borrowed $100 from you yesterday with the understanding I would pay it back in seven days, I'm in debt to you, but in good standing. If I borrowed it six months ago and it was due a week after that, I am not in good standing. Those situations are not equivalent.
This is not to defend horrible collection practices or the debt collection industry in general. But making some odd claim about U.S. government debt being equivalent to this needs a lot more explanation if you want it to be taken seriously.
(Though in fairness they did own up to it shortly after.)