Many people have trouble paying their credit card debts — but those unpaid bills can do more than just bury you in debt. They can also lead to lawsuits. An occasional missed credit card payment might lower your credit score or raise your interest rates, but after four or five months of missed credit card payments, your credit card issuer might turn your account over to a debt collector. If you continue to ignore your debts instead of settling them, the debt collector might send you a court summons.
Can debt collectors take you to court? Absolutely. How often do debt collectors take you to court? Generally, debt collectors don’t issue a court summons unless they’ve already made other attempts to collect on the debt. Suing someone over an old debt is the last step in the debt delinquency timeline, not the first one.
