Although it varies from state to state, a creditor can usually garnish your wages and even go into your bank accounts to reclaim the money you owe them. If you respond promptly, then you might be able to avoid this.
The best option is to settle the debt immediately. If you are unable to pay the debt in one payment, then there may be options to make monthly payments as well. These monthly payments may, or may not, include interest. This interest rate can typically be negotiated.
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