How soon after the first call from a collections person will they try to sue you and garnish your wages?

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There's no particular time limit to file a suit. Actually there is no way to be certain if they will. The average length of time for a creditor suit to reach court is 15 months. This is dependent on your state's legal system, if a small claims suit can be filed, and other factors. Keep in mind the CA cannot take any action against you w/o following due process of the law. Also remember you are entitled to many exemptions under the state statutes if you are indeed sued.

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