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Home Debt Debt Collection What Happens if You Ignore Debt Collectors?

What Happens if You Ignore Debt Collectors?

Hand pushing Ignore button on cell phone call from a debt collector

At a glance

Ignoring a debt collector won’t necessarily make them leave you alone, and it could have some negative consequences.

Written by Jesslyn Firman and Yi-Jane Lee

Reviewed by Victoria Scanlon

Apr 8, 2022

Fresh advice you can trust

We promise to always deliver the best financial advice that we can. That's our first priority, and we take it seriously. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. Learn more about how we make money.

Being pursued by debt collectors can be a nightmare. They can be aggressive and relentless when trying to collect money from you, so it’s understandable if your first instinct is to hide from your debt collector.

Unfortunately, it isn’t always possible to escape debt collectors, especially in this day and age when the Internet has made our personal information more accessible than ever and tracking technology is getting increasingly advanced. Moreover, if you refuse to respond to your collector, you could face some serious financial and legal repercussions.

Table of Contents

  1. Can I ignore debt collectors?
  2. 3 things that can happen if you ignore a debt collector
  3. What is the best way to respond to a debt collector?

Can I ignore debt collectors?

Yes, you can ignore debt collectors—though that won’t stop them from contacting you, nor will it make your debt magically disappear. In fact, rejecting their calls could actually make the situation worse if they’re persistent because they’ll start looking for other ways to contact you. If they get desperate, they might even resort to suing you.

If you have a debt that you just can’t afford, it’s best to contact your debt collector and explain that you’re unable to pay it. They may be able to arrange a repayment plan for you so that you can repay the debt in more affordable monthly installments. They might even agree to settle for a lower amount (known as debt settlement), since it’s better than receiving no money at all.

finance jar gold coin

Debt collectors can’t use abusive, deceptive, or unfair practices

You have rights under the Fair Debt Collection Practices Act (FDCPA), which protects you from debt collector harassment. For instance, debt collectors can’t threaten you with jail time, lie to you, or call you at odd hours (by default, that means before 8 am or after 9 pm). You’re also entitled to ask them not to call you at your workplace or to stop contacting you altogether. 1

3 things that can happen if you ignore a debt collector

Ignoring debt collectors may be a temporary escape, but it does have consequences. Three things can happen if you decide to ignore your debt collector.

1. Your debt could get bigger

When you don’t repay a debt, it often accumulates interest. That interest then compounds on itself, causing your debt to grow exponentially. Even if your debt was charged off and sold to a debt collection agency, it may still be accumulating interest at the interest rate specified in your contract with your original creditor, or even at a higher one (some states allow debt buyers and collectors to raise the interest rates on debts they’ve purchased). 1

If your debt is accumulating interest, the longer you wait to repay a debt, the more you’ll have to pay in the end. This is a good reason to pay your collection account as soon as you can.

2. Debt collectors might contact your family and friends

If debt collectors can’t get a hold of you, they won’t just give up—instead, they’ll try other means of tracking you down, such as contacting your friends, family, employer, or even neighbors.

Fortunately, federal law prohibits debt collectors from telling any third parties about your actual debt (except your spouse, guardian, or attorney). 1 However, they can ask for the following information:

  • Your address
  • Your phone number
  • Your workplace

3. You could face a lawsuit

Debt collectors may be able to sue you over your debt, and they’ll be more inclined to do so if you ignore them and they think it’s the only way that they’ll be able to get money from you.

Lawsuits are stressful, and they also have some serious consequences. If you lose the case or miss your court hearing, the court may issue a judgment against you.

A court judgment could grant debt collectors the right to do any of the following things: 2 3

  • Freeze or collect money from your bank account
  • Garnish some of your wages (up to 25%, depending on your income level)
  • Place a lien (legal claim) on your property

However, it’s worth noting that debt collectors cannot sue you over time-barred debts that are past their statute of limitations. Most states have a statute of limitations on debt that’s between 3 and 6 years, after which debt collectors can’t legally pursue you for the debt and force you to pay it. 4

What to do if you’re sued over a time-barred debt

If you’re sued over a time-barred debt, you still can’t ignore your debt collector. You should still appear in court to state your case. Failing to do so could cause the court to enter a default judgment against you, even if your debt is past the statute of limitations.

Make sure to bring relevant documents to court with you, such as a record of your last payment and any information on your debt provided by the collector. If you’re unsure how to handle the situation or if the case escalates, consider consulting an attorney that’s familiar with the laws in your state.

finance jar gold coin

You can sue a debt collector back if they break the law

If debt collectors have violated your rights and cost you money (e.g., loss of wages or medical bills), then you have one year to sue them. If you win, the debt collection agency may be forced to pay you $1,000 and cover your attorney fees and court costs. 5
However, you’ll still be responsible for paying any valid debts that you owe.

What is the best way to respond to a debt collector?

The best way to respond to a debt collector is to challenge the debt by sending a debt verification letter within 30 days of receiving your debt validation notice (which includes initial information about your debt). Until they provide proof that you owe the debt, they won’t be allowed to contact you or take measures to collect payments. 1

You also have the option to tell debt collectors to stop contacting you altogether. It’s a myth that there’s a special 11-word phrase for stopping debt collectors—all you need to do is state your request clearly and send it in writing, and they’ll be obligated to comply. 1

If your situation is getting out of hand, don’t hesitate to ask for help with debt collectors. For financial advice or help managing your debts, you can also seek out a nonprofit credit counseling agency.

Takeaway: Ignoring debt collectors is never a good idea

  • Ignoring debt collectors won’t stop them from trying to collect your debt, and it won’t make the debt go away.
  • Your debt collector may contact people you know to find out how to reach you or even take you to court if you keep ignoring them.
  • Debt collectors can sue you over debts. If they win, they may be able to garnish your wages, take money from your bank accounts, or place a lien on your property.
  • You can’t be forced to pay debts after the statute of limitations has run out, but if you’re sued over a time-barred debt, you should still show up in court to explain the situation.
  • You can dispute debts in collection by sending your debt collector a debt verification letter. They’ll have to stop trying to collect the debt until they prove that you owe it.

Article Sources

  1. Federal Trade Commission. "Fair Debt Collection Practices Act" Retrieved April 7, 2022.
  2. Federal Trade Commission. "What to Do if a Debt Collector Sues You" Retrieved April 7, 2022.
  3. U.S. Department of Labor. "Fact Sheet #30: The Federal Wage Garnishment Law, Consumer Credit Protection Act’s Title III (CCPA)" Retrieved April 7, 2022.
  4. Consumer Financial Protection Bureau. "What Is a Statute of Limitations on a Debt?" Retrieved April 7, 2022.
  5. Federal Trade Commission. "Debt Collection FAQs" Retrieved April 7, 2022.

Jesslyn Firman

View Author

Jesslyn Firman is a credit analyst for FinanceJar. Her work covers credit repair and credit scores, and in the past she's extensively researched and written about the insurance industry. Jesslyn has a B.S. in Finance and Accounting and an MBA in Management.

Yi-Jane Lee

View Author

Yi-Jane Lee is a credit analyst who writes for FinanceJar. Her work covers credit repair, the credit scoring industry, budgeting, and debt. She has a BA from McGill University in Montreal, Quebec.

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