When a bill goes to collections, it can have a major impact on your credit score. Collections generally stay on your credit report for seven years. If a bill goes to collections and remains unpaid, they may also issue a credit judgment against you. This means that they'll use that judgment to collect money from you by garnishing wages, placing liens on your property, and more.

Another potential outcome of unpaid debts is credit repossession, in which the lender takes back items purchased with a loan or credit card. That includes cars, furniture, and even houses. We can provide credit negotiations and help you find ways to pay off your debt and avoid these outcomes.