“…LFO debts can cause long term debt and damaged credit (Harris et al, 2010;Pleggenkuhle, 2018), with one study reporting 75% sent to collections; African-Americans are more likely to have their debt sent to collections (Diller et al, 2009). Mixed and qualitative studies explore how people who owe LFO debts rely on social networks for financial support which causes family strain (Cook, Johnson, 2015;Nagrecha et al, 2015;Pleggenkuhle, 2012;Pogrebin, West-Smith, Walker, & Unnithan, 2014), forgo basic necessitates to make payments (Cook, 2014;Harris, 2016), face difficulties finding housing (Harris et al, 2010;Mogk, Shmigol, Futrell, Stover, & Hagopian, 2019), and are discouraged from entering formal economy or are forced to work low-wage jobs and forgo career-enhancing training/ education (Harris et al, 2010;Ortiz & Jackey, 2019;Pleggenkuhle, 2018). Various studies using different methods found that LFO debt may cause recidivism due to illegal activity or incarceration due to non-payment; two mixed methods studies found the latter happen in 17%-20% of cases (Cook, 2014;Ortiz, 2010;Ortiz & Jackey, 2019;Tostlebe, 2017).…”