Walk It Through: The Old Card
No threat of prosecution, no call to the employer before judgment, and 6 years on a contract.
A collector calls a school bus driver late at night about an old credit card balance and says not paying could mean arrest and criminal charges.
Two things a person in this spot might do. Picking one shows what the law says about it.
One card and one collector. Surrendered collateral, the penalty amount, and motor vehicle insurance claims are not worked through here.
A practice walkthrough, not a prediction of how any real one will go. Legal information, not legal advice.