The credit card company will hire a debt collection agency that will help them in collecting your debt. However, you should be aware that the agency will do anything to make you pay your credit card debt. They will try to threat you. They will be threatening to file a lawsuit against you. Do not be pressured because they won’t really file a lawsuit, that’s just too much effort for them. Instead, make a deal with them. Make an offer. You’re opening offer should not be more than 25% of th...