Are debt collectors ....??

dikheads? Is there really any point in dealing with them to resolve a debt. Most people make bad choices when their young as far their credit. They are not thinking about the future affect of what they're doing and how they will need their credit later. I hate collectors who act like diks. but anyway should I try to settle my small lil debt with a collction agency or just let it go for another 2 years I have left??