Do you have any actual useful information or do you want to just repeat the same old nonsense. Palmer Reifler, the "law firm" that many of the big retailers, including Walmart employs has taken less than 10 cases to court. There's big business in perpetrating the myth that something will happen to you if you don't pay.

Palmer Reifler isn't concerned about due process or the law either. They've aggressively abused people whose prosecutions have been dismissed when shown that they are factually innocent. These outfits are as scummy as their related debt collection brethren. Note that the prelitigation escalation of legal fees has not been shown to actually be legal in many states.

Absent an actual lawsuit and judgement there's not going to be any impact on your credit report.