This would be fairly uncommon for consumer facing services in the US, outside of medical services.

I guess if you signed up for a cell phone contract and didn’t pay after the first month, and didn’t have a billing method set, it would go to collections. Things like that are generally uncommon though. It usually only happens with things like medical services, loans, auto repair, home repair/contractor services, and contractual services such as cell phone plans and utilities. (Contractors and mechanics may actually take out a lien.) Usually this only happens when there’s larger sums of money at stake or when it’s a large company with an airtight contract and a well-staffed billing department.

Things like consumer software subscriptions don’t usually involve this risk, there have been exceptions but consumers don’t like it and tend to punish it.