Can a collector force me to pay?

Generally speaking, once a creditor seeks a judgment against you they can collect in one of several ways: garnishment of wages, liens on property, attachment of bank accounts, or seizure of property. Most often, creditors will not attempt these methods of recovery simply because they are too expensive. Most collectors will not incur the costs to chase a "dime with a dollar."

Note that not all states allow these methods of recovery. Since these rules vary from state to state, you should consult a local attorney for the final word.