[Cadaverous Pallor]

At the library we send people to the collection agency for large, way late fines. Most people are freaked out at the concept that we can mess with their credit. What's more shocking is the amount of people that say "whatever, send me to collections, I'll deal with it eventually." It's not often, but it does happen, and I'm always put off by these people. I make sure to say "just so you know, this will affect your credit rating" but that doesn't phase them. They must have awful credit to begin with.

BTW - Checking your credit too often can actually worsen your credit rating, so don't overdo it.