My almost 4-year-old does this thing where she puts her hands over her eyes when she does something wrong. She thinks that if she can’t see me that I can’t see her and what she is up to.
As an adult, you can quickly see how this is just not the case. Unfortunately, for her, I keep telling her to show me what she has or what’s she’s doing until she does.
It’s the “If I can’t see you then you can’t see me” theory (of a 4-year-old, anyway).
Adults have a similar action when it comes to collection letters they receive in the mail. They think that if they don’t open it, don’t read it, if they just don’t “see” it, or just ignore it that they’re home free.
Well, that’s not exactly how it works.
Why You Might Think You Should Ignore Collection Letters
Sure, there are some perceived benefits to ignoring those collection letters that are landing in your mailbox.
In reality, there is really only one benefit. If you ignore the debt collector long enough then they’ll just go away, leave you alone, and the debt just fades into the sunset.
The reality of the situation is that this is not going to happen. Keep in mind that debt collectors get paid when they collect debts. This means that if they don’t collect your debt they won’t get paid.
It’s a huge incentive to keep them coming at you rather than to just ride off into the sunset and give you a happy ending.
Here are seven reasons why you shouldn’t ignore those collection attempts.
1. It Can Get Legal
If you ignore the debt collector long enough, the agency can file a lawsuit against you in order to collect the debt. If you ignore the lawsuit, then a judgment can be made against you to collect the debt so the debt collector can garnish your wages or other forms of income in order to collect the debt.