The sad thing is that Afterpay doesn't sell the debt to debt collectors because its not feasible for them to recover $150. They instead try to work with the end user and waive late fees (create a positive situation) to get them to pay the debt off. That probably shoudln;t be out there but was confirmed by Nick Molnar on a video posted to Youtube about a year ago.
This whole thing sticks of a witch hunt.
APT Price at posting:
$12.50 Sentiment: Buy Disclosure: Held