What happens if I ignore a collection notice?

If you ignore a collection notice in Texas, then the creditor can take you to court and sue you for the debt. This process is called a “collection lawsuit.” The creditor can try to collect the debt by asking the court to award them a judgment against you. This judgment can include the amount of the debt, any late fees, court fees, and even interest. If the court awards a judgment against you, the creditor can use different methods to collect the debt, such as garnishing your wages or seizing your property. It is important to take collection notices seriously. Ignoring the notice might seem easier than dealing with the debt, but it could make the situation worse. You should contact the creditor to understand your options and try to make payment arrangements, if possible. If you cannot afford to pay the debt, you should talk to a lawyer to understand your rights and the best way to handle the situation.

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What happens if I ignore a collection notice?

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