Creditors’ Rights and Collection Option
The first attempts by many creditors during debt collection never involve the courts. Creditors can directly contact debtors and demand payment. Failure to this attempt, the creditor has the right to transfer the account of the debtor to another business having the primary focus on collecting debts (Sorell, p. 77-81).
The failure of not paying a debt is not a crime in general context even though it breaks agreements or contracts between debtors and creditors but failing to pay certain court-ordered debts like child support can cause criminal charges. Apart from some bankruptcy situations, debtors will have the choice ...