reply to AZinOH
Re: Collection Agency...What Is Typical? Good way to start adulthood. "Placed for Collection" on a credit report means his credit is screwed for at least 7 years. If he gets lucky and someone extends him credit, he'll pay huge interest rates.
Worst thing is many companies now pull credit reports during their screening process for potential employees. Sucks to not get your dream job because you walked away from $480 in bills.
They can't garnish his wages unless they decide to take him to court and sue. All depends if the lender wants to do it. I've got garnishment notices for some of my employees for just a few hundred dollars.
Getting garnished for that little amount of money is nothing - having screwed credit really messes with your life.