Can a debt collector sue me?

Can a collection agency sue me? Yes—if the debt is valid and within the statute of limitations, a collector or original creditor may file a lawsuit to obtain a judgment. ^[1][2] Respond Answer the complaint by the deadline or risk default judgment. Zombie debt Time-barred debt may still be collected informally in some states but suing may violate law—check state FDCPA analogs and CFPB guidance. After judgment Garnishment and liens may follow where allowed. Verify Demand validation under the FDCPA for third-party collectors. ^[1][2]