5/4     I'm getting an overdue bill for an amount of $1.56. Do you think they
        would spend money on me to give a $1.56 IOU to a collection agency?
        \_ Are you really going to sweat it over $2? (incl stamp)
        \_ Yes, absolutely. And it's not the company spending money to send
           you to collections -- the collection agencies buy the debt from
           the company you owe.