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> if there's any resistance put up they essentially just write it off as it's no longer worth the effort

That's rarely the case. Debt collection agencies will absolutely hound you and your relatives, damn the laws, to try and milk value from you, for quite some time. They will then go to conferences and brag about how they have tricked people into claiming debts, the ways they have harassed people, and other atrocious things.




I mean resistance in the sense of actually knowing your rights and pursuing them with the legal system


This, once you start parroting your rights as a consumer, they’re quick to back off.




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