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plnel123

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What if I am requested to go to small claims court from a debt collector, and I do Not show up?

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If you do not go, the creditor automatically wins a default judgement against you and a judgement goes under public record on your credit report which is a derogatory remark.  A judgement remains for ten years and can at creditor discretion, be renewed for another ten years. So, you want to avoid this happening.

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Even on the court date, it is not too late (from the court's perspective) to try to work out a deal. If it's at all possible to settle it out of court, DO IT. You don't want a judgment! It will decimate your credit and like jwsister said (in comment above) it can be renewed at the creditor's discretion. If you have an unsatisfied judgment out there, you are not safe financially. Your bank accounts can be levied, assets seized, and wages garnished at any time. Years after this court date, it could hit you when you least expect it.
Settle out of court.

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