What happens if I ignore a collection notice?

If you ignore a collection notice in California, the creditor can typically file a lawsuit against you in civil court. This is known as a collection defense law. If you have received a collection notice, the law requires you to make an appearance in court within 30 days of the notice. Once you do so, the case is then heard by a judge who will determine if the collection agency has a valid claim against you. If you do not appear to the court proceedings, the judge can enter a default judgment in favor of the collection agency. This means that the collection agency will now have the legal authority to collect the money from you. They may use a variety of methods to try to collect the money from you, including wage garnishment, bank account liens or seizure of property. It is important to remember that ignoring a collection notice does not make the debt go away. You still owe the debt and the creditor can take legal action against you. It is best to respond to any collection notices you receive and seek professional advice to understand your rights and obligations under the law.

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What happens if I ignore a collection notice?

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