Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Who are debt buyers and what do they gain by buying the unpaid debt if person is to file bankruptcy? - I was default for several months on all my bills. Then i was delinquent. After that the credit card companies started calling 20 times a day to my house. I still did not pay. Then a collection agency was involved and they too did that boring stuff of excessive callings and mailings. Finally the collection agency sent the debt to debt buyers . The debt buyers also played the same role of excessive phone calls and letters asking to pay bill. However I still did not pay anything. -