Quote from: gringo1990 on March 22, 2015, 10:03:05 PM

Its already in the negative...I've been reading a lot about it and it says if a debt collector calls all you gotta say is your harassing me I will call the police. They are legally obligated to show you how and why you owe a certain amount.

I don't think they can legally take money out of your bank account. From my experience your balance will just go into the red. They will send you letters out eventually to try get you to pay but if you don't the only way they can attempt to get that money back from you is by taking you to court which they probably wont do. They just send the letters out to try scare you into paying it which usually works for most people.