Well, sort of. The creditor takes you to court to get a judgment. Which just means the judge found in favor of the creditor/CA and that you owe and must pay the debt. At that time you need to make arrangements to pay. If you refuse to make any payments, the creditor will file a Writ of Garnishment and have your employer deduct a percentage of your net wages to pay the creditor. And it Georgia, 25% of your net income is garnish-able.
