What happens if I dont pay a collection dept in Texas?

They will ruin your credit by reporting your failure to the major credit bureaus; they may bring a lawsuit to collect the debt, including filing liens on your real and personal property; they may have you do a debtor's exam, and if it's bad enough, they may force you into bankruptcy.

On the other hand, if you're disputing the debt, get help and get an attorney -- very often collection agencies are ruthless and regularly violate the law (the Fair Debt Collection Practices Act, among others) which can entitle you to sue them.

And, depending upon the size of the debt, if you say "then sue me," they may not do anything.

It takes a mark off your credit/fico score. Be cautioned, many collection agencies are now tagging interest rates to these debts. So if you're not disputing the debt and you're not currently paying it, it may be getting bigger by the month.

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