Legal Question in Credit and Debt Law in California

There are consequences. Creditors don't necessarily break arms and legs, but in the regular course of business they will harass you, your family, and employer, serve you with a summons, garnish your wages, levy your bank account, record liens on your property. It's not personal; they want their money. The consumer wants to pay it back (which requires paying it back and then some--once interest and penalties are factored in), but the consumer also owes it to herself to protect herself and her family.

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