There's a distinction between debt, and failure to pay. The whole point of the continuous debates we have over raising the debt ceiling is to make sure the U.S. government can continue to function and be able to pay its debts.

If I borrowed $100 from you yesterday with the understanding I would pay it back in seven days, I'm in debt to you, but in good standing. If I borrowed it six months ago and it was due a week after that, I am not in good standing. Those situations are not equivalent.

This is not to defend horrible collection practices or the debt collection industry in general. But making some odd claim about U.S. government debt being equivalent to this needs a lot more explanation if you want it to be taken seriously.