If you are not refusing to pay and you pay the debt, they would have no reason to sue you. If you refuse to pay a valid debt, they may advise their client to sue you depending on what state you are in and what the laws are there. Some states only allow original creditors to sue and not the collection agency.
Yes, a hospital can sue you for nonpayment. If you fail to pay your hospital bill, the hospital will report your account to a collection agency.
No you can not
Yes.
Yes.
When you default on some debt, the original creditor writes it off. When they write it off, they usually sell it to collection agency. Since the collection agency bought it, it becomes theirs. If they try to collect and you don't pay, they can sue you. Learn your rights by reading up on the FDCPA.
If you are sued, then yes. First, the collection agency must try to collect from you. Then they can sue you if you don't pay. If they win, the judge can issue a judgment against you. And that is how they can freeze your bank account.
A creditor can sue you over a debt. If you are paying them anything at all or offering to pay them anything at all, they aren't likely to sue you just to make you pay a higher dollar amount per month.
YES
Yes.
Unless you have a specific repayment plan that the collection agency agreed to, there is no legal reason that cannot sue the cosigner.
Any collection agency can, in theory, sue you anywhere they can find you. Whether or not they have jurisdiction or a valid claim and whether you have defenses would depend upon the circumstances.
yes