How Often Do Debt Collectors Take You To Court? (& What You Can Do)

Updated: 15th May, 2022
Ashley Astors
Verified Collections Expert

Find out often creditors take debtors to court (& how you can avoid it). Also, discover your next best steps to rebuild your credit, today!

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Debt collectors take debtors to court around 15% of the time. What can you do? First, make sure the info they are reporting is correct. If it isn't, dispute their claims (saving your credit). If you need help disputing, a reputable company (like Credit Glory) can make it easier!

How likely is it a debt collector will take you to court? (& how often)

On average, debt collectors take debtors to court around 15% of the time. The worse news? When they do, you often have to pay litigation fees and may be stuck with a judgment and a collections record on your report. The good news? In certain circumstances, you may be able to avoid court — and Credit Glory may be able to help!

Can you avoid being taken to court for your debts?

You can avoid court IF debt collectors are reporting info inaccurately.

Common incorrect info includes:

  • Names and addresses
  • The reported balance
  • Duplicate records
  • Delinquency dates

If one (or more) items on this list aren't right, you can dispute their claim — and Credit Glory's experience can make it a lot easier!

Could your negative items (like claims from debt collectors) be reported inaccurately?

Unfortunately, the Federal Trade Commission (FTC) has stated that 20% of all reports contain (at least) 1 error! The penalty for negative items is a damaged credit score, which can wreak havoc on your financial future. How can you protect yourself? Your best weapon to hold creditors accountable is a dispute. That's where a credit repair expert (like Credit Glory) can make the process super easy.

What if you can't dispute b/c the collections account is reported correctly? (your best option)

Even if the claims from one debt collector are reported correctly, with 1 in 5 odds, it's likely something else isn't. Double-check any other negative items on your credit report for errors. That way, if you find any, you can start rebuilding your credit by disputing them. If you're not comfortable identifying inaccurate info (& it can be tricky) consider help from an expert — like Credit Glory.

Dispute methods: Credit Glory vs. DIY

Disputing negative items starts with identifying inaccurate reporting. Then you can handle all dispute aspects on your own (a big hassle) — or trust an expert like Credit Glory.

Advantages when you partner with Credit Glory for help, include:

  • A tested dispute process - Credit Glory uses a refined dispute process, with success removing negative items.
  • Unmatched 100% Money-Back Guarantee - Qualify for a full refund if Credit Glory can't remove inaccurate negative items in 90-days.
  • Best-in-class customer support - Disputes are generally complicated and involve waiting. Credit Glory beats DIY by a mile providing access to comprehensive customer support.

Erase inaccurate negative items for good w/help from Credit Glory!

Disputing negative items on your credit report is hard work! It takes a lot of time, effort, organization, and follow up. The good news? Our team of credit repair professionals is here to simplify everything! Let your dedicated credit repair expert relieve you of the stress, hassle, and time needed to fight your inaccuracies and boost your credit score (FAST!)

Credit Glory is a credit repair company that empowers consumers with the opportunity and knowledge to reach their financial dreams in 2021 and beyond.

Call us at (855) 938-3044 or set up a consultation to get started, today!

Why choose Credit Glory?

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Price
$99/m (+ small, one-time $100 review & setup fee charged once your letters are sent)
$90–$130/m ($130 most popular)
$79/m (+$79 review/setup fee)
Customer Service
Mon - Fri: 9AM - 8PM
Sat & Sun: 9AM - 5PM
5 days/wk (M-F), 7 A.M.–7 P.M.
5 days/wk (M-F) 9AM-5PM
Guarantee
Industry-leading 90-day, 100% money-back guarantee (if we remove no negative items)*
None
Money-back guarantee
Reputation
A+ BBB rating (4/5 stars)
No BBB rating (2/5 Stars)
C- rating w/BBB
*Less the initial setup fee
Accurate as of March 1st, 2022

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