This is also a case-by-case issue. First, we have to determine whether or not we can legally turn your debt over to a collection agency. Actually, first we have to determine whether or not we have exhausted our efforts to work with you. If you completely ignore us, odds are, if we can, we will. We also have to determine if legal action is permissible, and whether it is in our best interest to pursue it. We do have rights in purchasing this debt and we reserve the right to exercise or waive our rights in the best interest of the company AND/OR the customer. The best way to make this a definite NO is NOT to ignore us. Work with us and we’ll work with you. That’s a promise!