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If the creditor has a valid debt and if you are not able to make payments as they come due, the creditor can and probably will file a civil lawsuit against you. Once a creditor realizes that no amount of persuasion out of court will get him anything on the debt, a civil suit is the only recourse to getting paid.

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13y ago
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14y ago

Yes, if you feel that you have been civilly wronged by a fraudulent action, you can bring suit against the person/organization which committed it.

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Q: Can a creditor file a civil lawsuit against you?
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