If you're working and you decide to apply for any sort of credit at all or if your employer did a pre-employment credit check or consumer report, you may well end up being pestered by your creditors anyway.
Many creditors keep an eye on the reports of people who owe them - there are services available that alert them when there is new activity in a given file.
It would be in your best interests to make arrangements to settle your debts BEFORE they track you down.

