LogFAQs > #914112723

CharlesBronson posted...

_RETS_ posted...

After 7 years, the debt will disappear as long as she makes no attempt to pay them.

complete lie if you don't pay your bill they take it out of your paycheck until it's paid

That is a possibility, but not an inevitability. At least in Texas. I had debt from a broken lease sent to collections, did nothing, nothing happened, and it disappeared as if it was never there. The only downside other than the obvious temporary ding on my score was making it harder to rent because it was in the same category. That's it.

Looked it up. Didn't think that it was a state-by-state thing but it is true where I live. From google:

"The state of Texas is unique among states when it comes to wage garnishment laws. ... Generally speaking, the only debts for which a debtor's wages can be garnished are unpaid student loans, taxes, child support, and alimony. Wage Garnishment Defined. In Texas wage garnishments are commonly referred to as wage attachments."

TC may live somewhere with the same law, but admittedly I don't know. But if it does, since it is medical debt it wouldn't qualify for wage garnishment.