When you owe money to someone, there are really only four things that they can do. They can call you, they can write you letters, they can ding your credit, and they can take you to court. Generally speaking, a bill collector only has four ways to make you pay:
1. Call you on the phone
2. Send you nasty letters
3. Damage your credit
4. Take you to court
The law is clear that once a bill collector knows you are represented by an attorney, the collector cannot communicate with you directly anymore. They can’t write you letters or call you. A bill collector can still damage your credit, and this mark will stay on your report until the debt is paid or seven years passes by, whichever is first.
Most bill collectors will not take you to court. But if you wind up in court, there may still be many defenses to the debt. Even if there are no defenses to the debt, the collector still needs to prove that they own the debt and that you owe the money. Even if you lose in court, there may be defenses to execution of the judgment and you could end up paying nothing to the collector.