If you are sued by a debt collector, you should respond to the lawsuit by the date specified in the court papers. When you respond to the lawsuit, the debt collector will have to prove to the court that the debt is valid and that you owe the debt. If you don’t respond, the court will likely issue a judgment against you as requested in the lawsuit for the amount the creditor claims you owe. Often the court also will award additional fees against you to cover collection costs and interest. Then the creditor may be able to place a lien against your property and move to freeze or garnish all or part of the funds in your bank account. Do not ignore the lawsuit.