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If you are being worried by debt collectors, you may be losing sleep over how they will effort to get your money. Will they come into your home and start taking things? Will they garnish your incomes? The bad news is that under certain conditions they could do any of these things. The good news is that they cannot do anything until they have sued you and got a judgment against you. And even then they commonly do not resort to some of the more invasive collection ways. Let's consider the collection ways and the risk of each one happening to you.