It is important to be vigilant when it comes to collection agencies. Even a simple unpaid fifty-dollar co-pay can have serious ramifications on someone’s credit score. Debt can be purchased by collection agencies who will do whatever is in their power to collect their money. Letters and calls should not be ignored, instead they should be looked into and resolved as quickly as possible. If not, credit scores can be seriously affected by what was once an insignificant amount of money.