During voluntary collection, you have the chance to repay your debt without the threat of a bad credit record. If you do not repay your debt during voluntary collection despite a demand for payment, the case will enter legal collection. Legal collection means that we will file an application for summons and ask a district court to make a decision regarding your case, which will add legal fees to your debt. The district court will send you a service of summons.
Once you have received the service of summons, you still have 14 days to repay the debt in full. Otherwise, the district court will make a decision regarding the case. The district court’s decision will result in a bad credit record in your credit rating, which will make it harder for you to rent a dwelling, get a loan or even get a job. Potential consequences include distraint and garnishment.