As embarassing as it is, I have definitely had my fair share of run-ins with a commercial collection agency. While I am doing sooo much better (wouldn’t think of getting myself into a situation like this these days!) I think the problem was just that I really didn’t care – nor did I even think about the consequences of writing bad checks. I wrote a lot of bad checks when I was young, and most of the time on purpose. I know people who still do this, but there are plenty of other reasons why they’re obviously not getting their life together anytime soon.
Poor guy.