Oh, I remember the first time somebody threatened to throw me in jail because I didn’t pay a debt. I was young and stupid, but not ignorant and fearful. I said, “Debtor’s prisons were outlawed!” (I didn’t know that from law school, I knew that from AP History.) The debt collector stammered and said, “Well, we can still get you in trouble.” Since I was already “in trouble” what with $150,000 in principal outstanding, I instructed the collector to contact me via mail and hung up.
Debt collectors are like bullies: punch them in the mouth, and well, they don’t “go away,” but they stop getting all up in your face.
Eventually, a summons came in the mail, and I responded, and yada yada, I’m still not in jail. The key is that “I responded.” I’ve made a lot of mistakes with my debts over the years, but I haven’t made a lot of mistakes with “courts.” See, courts matter. Debt collectors with hard-ons do not.
Keep that in mind as your read this story about a cancer survivor who got thrown in jail after failing to pay a medical debt that she didn’t even actually owe….