If a creditor takes you to court for unpaid bills
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If you do not pay your bills on time, the creditor can sue you in small claims court or civil court. The creditor is the person or company you owe the money to. Most cases under $7,000 are held in small claims court.
If the creditor or debt collector does not follow the law while trying to get your payments or when filing the lawsuit against you, you may not have to pay the whole amount. You also may not have to pay anything if your income is "protected." You may be able to get help with your case.
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