Woman on the phone with debt collector

What Happens if You Ignore Debt Collectors?

The easiest thing to do when it comes to debt collection phone calls is to simply ignore them. However, this isn’t necessarily the smartest route to take. Although it may be tempting to stick your head in the sand when debt collectors come calling, ignoring them won’t make the problem go away. In fact, it can make your situation much worse. In this article, we examine what happens when you ignore debt collectors. 

Your Credit Takes a Hit

When a debt of yours goes into collections, the delinquent debt will likely appear on your credit report. And when this happens, your credit score will take a hit. In addition, even if you later work out a payment plan with the creditor, there is a good chance that the delinquent account will still affect your credit score. 

Your Debt Can Continue to Grow

When you ignore a debt collector and fail to repay the debt, not only will the principal amount still exist, but the amount you owe will likely increase due to late fees, accruing interest, and penalties. In fact, some debt collectors even add on the expenses they’ve incurred in an effort to collect the debt. 

Your Friends and Family May Be Contacted 

Another negative consequence of ignoring debt collection calls is that your friends and family may be contacted. And although debt collectors can’t disclose the fact that you owe a debt, they are permitted to contact your friends and relatives in an effort to contact you. 

Your Stress Levels Will Probably Increase

Although ignoring a debt collector in the short term may temporarily alleviate some discomfort, it ultimately can result in additional stress, concern, and anxiousness. Facing a problem head-on is often the best way to deal with an issue, and debt is no different. 

You May Be Sued

Finally, if you refuse to communicate with a debt collector about a debt you allegedly owe, there is a good chance that the debt collector will file a lawsuit against you. Even worse, if you are served with a lawsuit and ignore it, the court will likely enter a default judgment against you. Once the court enters a default judgment, the debt collector can take multiple steps to collect what it is owed, including garnishing your wages, seizing your personal property, and having money deducted from your bank account.

Contact an Attorney 

If you are being contacted by a debt collector in California, you should contact an experienced California debt collection lawsuit defense attorney as soon as possible for guidance. At the Fullman Firm, our lawyers are passionate about fighting for the rights of consumers. When you come to us for assistance, we will do everything in our power to ensure that your situation has a successful resolution. Please contact us today to schedule a free consultation with one of our talented lawyers.