Don't let a letter threaten you. If they want to take you to court
then fine. Like Rhonda posted, they rarely go to court. They use a
collection agency.
It would depend where they would file, your state or their state, but
if you did not show up for court, a judgment would be filed. And this
would effect your credit, but they will not throw you in jail.
I hate it when people threaten people with it. And the ones that
threaten, usually don't follow thru. It is a pain in the butt to
follow thru. If you think you have any idea that they may be wrong,
let them do it.
In this case with the interent, I would see if the phone calls are
from the collection agecny or attorney office. I would try to deal
with them without an attorney. Then try to deal,but you deal on your
terms. Tell them you will make payments, if they won't accept, then
say fine, sue me. keep track of all phone records, offers. If you do
have to go to court, you have proof that u tried.
When you have a judgment from a court, you just make payments to the
clerks office, and the judgment can be paid off. sorry, off my soap
box now. just I hate it when threatening letters does not end the
world(diana from indiana who has worked in the court system)
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