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The attorney gives you some time to pay, then gets a judgment and uses the other legal options(garnishee wages, attach property, bank accounts).

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Q: What happens after your creditor has sent your account to an attorney?
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Can a collection attorney collect if you sent them a letter to cease and desist and the original creditor sent you an agreement that you agreed to pay?

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What happens when collections are sent to an attorney?

You will receive a letter from the attorney that will probably give you some options. Such as negotiating or reaffirming your payment. Or perhaps a setoff amount for a lump sum. Seldom is the first contact from an attorney a notice they are going to sue. Do not ignore anything from a valid attorney, nor answer it without legal counsel. They can however, simply serve you with a summons that you are being sued.