The answer is Yes, they can surely paper file in the Court in the hope that you do not show up and a default judgment against you have ordered. What most people don't realize is that anytime you have a subpoena it's always a wise choice to answer and to appear in court, if necessary.
There are several ways to prevent this from happening, is the most important one is to the Agency shall verify that the debt, this process can take a lot of free from their obligation as the debt legally can be verified by the Agency. Authentication of a debt is a process that is overtly is explained on many websites.
If the debt is actually verified, the next step is to try to negotiate a limited regime. This is done by negotiating a determined percentage of the debt for pennies on the dollar, by now many of us know that most debt collection agencies actually buy for pennies on the dollar or the act as a third party on behalf of the original creditor after the debt is written off.
The negotiation process of an unsecured debt with a collection agency can sometimes be annoying, refer to the rules that the consumer against illegal or unusual tactics by collection agency overseen by the FDCPA.
Negotiate a debt does not have to be an ordeal, there will always be a middle ground where both sides must agree on. Sometimes large discounts can be achieved with debt collection agencies, the main reason that some consumers fail to achieve this is because they are intimidated by these agencies. Don't be intimidated and read on your rights. Your negotiating skills will ultimately determine if the collection agency will choose to any type of legal action against you or not.
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