A bill collector insisted that I wire the money I owe through Western Union. No, and it could add more money to your debt if you did do it. Wiring money through Western Union's Quick Collect or American Express' Moneygram. Putting your payment on a credit card not charged to its maximum. You'll never get out of debt if you do this.
Every state authorizes the collection of such interest.
A collection agency sued me and won. This is done with calls and letters. The collector may also try to seize bank or other deposit accounts you have. If you own real property, the collector may record a lien against it, which will have to be paid when you sell or refinance your property. Even if you're not currently working or have no property, the judgment won't disappear.