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A debt collector can take legal action at any time. That said, if you are making an effort to pay, and have been making those payments on time and in full, I would say their chances of winning a judgment against you in court would be fairly low. I am not a lawyer and you should consult one. Do you have a signed agreement? Have you breached that agreement in any way?

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Q: As long as you are paying a debt collector something can they take any legal action?
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