wow, I've never had to deal with debt collection. usually if I get mail turn up I RTS for a couple months, then it goes in the bin after that, I figure if they don't care enough after goodness knows how long (one place my flat mate had been in for 4 years before I joined him and we were getiting mail that he didn't recognise the names on) they probably won't miss the random letter from random place they didn't bother changing their address with.