I gather the haircut you take from a collections agency depends on the duration of the delinquency, so you may be right --- although $6.5k is less than a lot of jurisdictions small claims limits.
Your comment about collecting the judgement makes a good point, although I'll point out that it's easier to collect a civil judgement than a debt; judgement debtors can levy bank accounts.
Your comment about collecting the judgement makes a good point, although I'll point out that it's easier to collect a civil judgement than a debt; judgement debtors can levy bank accounts.