What Happens If You Never Answer Debt Collectors?

George Simons

September 08, 2021

You hiding from debt collectors.

Summary: Bad things will probably happen if you never answer debt collectors. But you might dodge a bullet. You can use SoloSuit to answer a collector in just a few minutes.

When it comes to communicating with a debt collector, the old adage, “you can run, but you can't hide” is applicable. The truth is that, nowadays, it is virtually impossible to ignore a debt collector entirely. Even if you let all of their phone calls go to voicemail, debt collectors are relentless and may try to contact you online through different social media platforms like Facebook and Twitter. Even if you ignore or block a debt collector online, it will likely get to the point where they file a collections lawsuit against you in court.

Once a lawsuit is filed, the debt collector will attempt to obtain an adverse judgment against you. If you ignore the lawsuit, a court will likely enter a default judgment that empowers the debt collector to garnish your wages. This is why you need to be proactive and respond to the debt collector and/or debt collection lawsuit. You may discover that their collection efforts are misplaced (i.e. they sued the wrong person) or lack a solid legal foundation (i.e. you could have the debt lawsuit dismissed because they failed to file within the applicable statute of limitations).

SoloSuit makes it easy to respond to a collections call or letter, in just 3 minutes..

Here are five other reasons why you should avoid neglecting a debt collector and what could happen if you never answer a debt collector.

1. Your Credit Will Take a Hit

When a debt goes into collections, there is a very good chance that your credit score will suffer as a result. The delinquent debt will probably appear on your credit report. Even if you work out a payment plan with the creditor, there is a chance that the delinquent account will still ding your credit, even if just for a finite period of time.

SoloSuit helps you force the collector to report the debt as disputed.

2. The Amount of Debt Could Continue to Get Larger

If you ignore a debt collector and do not repay the debt, not only will the principal still exist, but the amount you owe will probably continue to increase because of accruing interest, late fees and penalties. Some debt collection companies even tack on the expenses they've incurred in an effort to collect on the debt.

SoloSuit makes it easy to require the debt collector prove how much you actually owe with a Debt Validation Letter..

3. Family and Friends Might Be Contacted

If you ignore a debt collector, they do not disappear. In fact, some aggressive debt collectors will reach out to your friends, family, and neighbors. You may be asking yourself, “Is that even legal?” Well, in some states, a debt collector is allowed to contact third parties such as neighbors, relatives or even your employer – but only in an effort to track you down. The law does not allow a debt collector to disclose the fact that you owe a debt or to discuss your finances with third parties.

4. Your Stress and Anxiety Levels Will Probably Increase

Trying to avoid communicating with a debt collector often results in people feeling anxious, concerned and stressed out. It can be difficult to speak with a debt collector, but actively avoiding contact with the debt collector can be just as stress-inducing.

5. You Will Probably Be Sued

If you continue to ignore communicating with the debt collector, they will likely file a collections lawsuit against you in court. If you are served with a lawsuit and ignore this court filing, the debt collection company will then be able to get a default judgment against you. Once a default judgment is entered, the debt collector can garnish your wages, seize personal property, and have money taken out of your bank account.

SoloSuit makes it simple to respond to a debt lawsuit the right way.

As mentioned earlier, you can run, but you cannot hide. Here is the bottom line - never answering a debt collector is almost always a bad decision. Why? Because, as we discussed above, ignoring the debt collector typically makes the situation worse and does not lead to a resolution. Ignoring the debt does not make it go away. This is why, if you are contacted by a debt collector or are served with a collections lawsuit, it is important to take action.

Use SoloSuit to Respond to Collectors

SoloSuit helps thousands of people a day respond to debt collectors. If you've received a phone call or a letter from a collector, use our Debt Validation Letter to respond. If you've been sued for a debt, respond with our Answer document.

Fight Back with SoloSuit

"You'd be silly not to drop a few bucks and possibly save yourself thousands in the process. I can't thank you all enough for making an overwhelming situation something handleable." – Daniel

Start My Debt Validation Letter

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

If you need help in effectively responding to a debt collection lawsuit, consider utilizing the services available through SoloSuit. What is SoloSuit? Take a moment to review these FAQs to learn more.

(How to stop receiving calls from Covington Credit)

What If You are Sued by a Debt Collector?

Here is an overview of what you need to do if you are sued by a debt collector:

  • Do not admit liability for the alleged debt since the burden is on the debt collector to establish that you in fact are responsible for the amount owed.
  • Be sure you file your Answer to the Complaint within the time period provided by the Court. For example, in many debt collection lawsuits, you usually have between 20 to 30 days to file your Answer.
  • In your Answer, make sure to raise any applicable affirmative defenses (e.g., the statute of limitations) and demand that the debt collection company prove that you are responsible for the specific amount owed. These are examples of the types of strategies you can use to defeat a debt collector in court.

What is the Best Way to Respond to Collectors?

The best way to respond to a debt collector is with a Debt Validation Letter. A Debt Validation Letter is a powerful document that stops debt collectors in their tracks by citing the Fair Debt Collection Practices Act and requiring them to show validation of the debt. In the letter, you can also dispute the debt, force the collector to report the debt as disputed to the credit bureaus, and force them to stop contacting you. It's powerful.

With SoloSuit, it's easy to make a Debt Validation Letter.

Additional Resources

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit.

How to Answer a Summons for Debt Collection in your State

Here's a list of guides for most of the 50 states.

All 50 states.

Guides on How to Beat Every Debt Collector

Being sued by a different debt collector? We're making guides on how to beat each one.

Win Against Credit Card Companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get Answers to These FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendant's Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouse's Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

You're Drowning in Debt — Here's How to Swim

Help! I'm Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Here's What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review