Civil Judgment

• As soon as you realize that you do not have enough money to pay your bills, contact your creditors to attempt a modification or other resolution. If you are not successful, you will receive collections calls and letters. Late fees and penalties may increase existing debt. If creditors remain unsuccessful in collection attempts, they can sue you in court. If they prove that the debts are yours, you will receive a civil judgment against you and the creditors can use it to attach your assets or other property.