Collection Process

• Long before a collection agency gains the right to garnish or attach your assets, it generally will begin a process of contacting you by phone or mail to get you to pay. If you continue to refuse to pay, the collector may eventually file a lawsuit against you. Assuming the debt you owe is valid, the court will typically side with your creditor and issue a judgment against you, authorizing the creditor to take direct action to collect on the debt. At this point, your income, including certain pensions, becomes susceptible to garnishment or attachment.