Creditors can be a royal pain. Many times they will call, and call, and call with no willingness to listen to whether or not you are going through a difficult time. You may get nasty letters in the mail or bull-headed debt collectors calling you on the phone day and night.
Sometimes, the original creditor does not wait very long until they send the debt over to a debt collector. After the debt collector hounds you with harassing telephone calls for a couple of months, they often send it along to a law firm. The law firm typically will write you a couple of letters, and then they usually file a lawsuit. You only have a limited amount of time to file an answer to the lawsuit before you get a default judgment against you.
Taking a pro-active approach to a debt problem is much better than doing nothing. Seeking your options under Chapter 7 or Chapter 13 of the Bankruptcy Code is the smart approach. You may also want to learn your debt consolidation or debt settlement options. Doing nothing is the wrong approach in almost every situation where there is a debt problem.