What Happens If You Ignore Debt Collectors?

couple sitting on the floor surrounded by bills

Debt collectors are relentless.  Their goal is to pressure you into making a decision and to pay on a debt.  They have many ways of trying to get you to pay and apply pressure.    They will send letters, text messages, call you repeatedly or even call an employer.  If you ignore them these actions generally do not stop.  

A debt collector in Pennsylvania has four years to collect a debt under a contract such as a credit card.  So if you ignore a debt collector, and they are unsuccessful in getting payments or paid in full by sending letters or calling you they can then sue you.  

Now it is important any time you are contacted by a debt collector that you speak to a debt relief attorney.  You have many rights and options when it comes to how to proceed in dealing with a debt collector.  However, it is important to evaluate your best options before talking with a debt collector.  You can also hire an experienced attorney to negotiate your debt with the debt collector to reduce the balance, dispute the debt if the creditor can’t prove you owe it, defend you from a lawsuit or even file a bankruptcy to stop all action by the debt collector.  

Our office can even the playing field with a debt collector by reducing the pressure tactics they use to force you to make quick decisions without evaluating your options.  So the best course of action, if you are contacted by a debt collector, is not to ignore them but to get our team involved.  We can provide a free personalized debt consultation to maximize your fresh start and get debt free.


If you have any questions about the topic discussed in this article, or any bankruptcy law matter, please give us a call at Bononi & Company 724-832-2499.


The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.

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