Yes, if a creditor takes legal action to collect a debt, you may have to go to court.
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The steps involved in going to court for debt collection typically include filing a lawsuit, serving the defendant with legal papers, attending a court hearing, presenting evidence, and obtaining a judgment.
Yes, a collection agency can take you to court for unpaid debts if they are unable to collect the debt through other means.
Yes, once a debt collection agency buys your debt from the original creditor they are legally entitled to all of your debt. Therefore, they can take you to court for any unpaid debts, so long as it is the debt they bought from the original creditor and only that debt.
A Collection Agency that "owns your debt" can not garnish any wages. Assume that the collection agency in their efforts to collect the debt for their client, sues the debtor and then provoke that the Court works an arrangement to pay the debt, if the arrangement includes garnishment of wages then, the Court can garnish salaries. And there is laws to garnish wages that apply to every state.
No. A collection agency can apply for a court order to recover a debt which may mean seizing assets.