For $180 they wont come breaking your door down, for them to start something like that it will cost them more to initiate it compared to how much you owe them trust me. Dont be scared at all, the easiest option and only option for them would either be to use scare tactics as mentioned to make you cave in. They are a big company and when a letter comes in from them demanding money or more charges will be incurred, it usually makes you poo your pants. Or they can pass the debt onto a debt agency. Again i doubt a debt agency would take it on, on the basis that they wont make much out of it after you take away expenses and costs chasing the debt up, court applications etc.
Only time a company like getty will probably budge, is when you owe them $18,000 as compared to $180. Seriously read up on your rights, companies left right and center now lean and pressure customers to give payment, even when the company is at fault. The pressurising and constant hounding for a payment, increasing the debt, to an extent is against a lot of rules and regulations, but because consumers trust the companies, the companies aim to exploit it. Again, big brand companies and organisations do this, be aware of your rights, because i have come across cases where companies were hounding a consumer day and night for payments they couldnt make. After i told them the rights and wrongs, the consumer then had a way to respond to these companies and after having a go at the advisor about how the company was breaching their consumer rights, rules and regulations, most of the companies never called back.
