what happens when a collections agency takes you to court over the money owed?

Question

canadian/british columbia answers prefered. i would like to know what happens in america

Answer 1

In America, the creditor must present documentation that you owe the debt, the debt has not passed the statute of limitations, that the original creditor sold the collection to the agency and gave them authorization to collect the debt. If they can prove that, and you do cannot disprove it, then the judge will side in their favor and the judgement will appear on your credit report. You will also have to pay the debt since the court decided with them.