A legal document titled "Summons to Appear" with spaces for court details, plaintiff, and defendant information is placed next to a pen, calculator, a blue mug, and a note from the debt collector on a wooden surface.

5 Tips if You’re Facing Court Action from a Debt Collector

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Creditors can sell your debt. When your debt is sold to collectors, some might use the threat of court action to try to intimidate you in order to get you to pay up.

Technically, it is illegal for collectors or creditors to threaten court action if they do not intend to carry through with it. Taking you to court is time consuming and expensive for them, and there is no guarantee it will result in the outcome the creditor wants. So typically, a court action is a tactic to get you to pay up, or to obtain a default judgment against you if you don’t respond to a summons and complaint.

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