What happens when a traffic ticket goes to collections? This is a question that many drivers may find themselves asking after receiving a citation for a traffic violation. When a traffic ticket is not paid within the specified time frame, it can be turned over to a collection agency, which can have significant consequences for the driver’s financial and legal standing. In this article, we will explore the process of how a traffic ticket goes to collections and the potential repercussions that follow.
After a traffic ticket is issued, the driver typically has a set period of time, often 30 to 60 days, to pay the fine. If the fine is not paid by the deadline, the issuing authority may take several actions, including sending reminders or late notices to the driver. If these efforts fail to prompt payment, the ticket may be referred to a collection agency.
When a traffic ticket goes to collections, the collection agency will purchase the debt from the issuing authority for a fraction of its face value. This means that the driver will still owe the full amount of the ticket, but the collection agency will attempt to recover the debt on its own terms. The agency may send letters and make phone calls to the driver, demanding payment and explaining the consequences of non-payment.
One of the most immediate consequences of a traffic ticket going to collections is the impact on the driver’s credit score. Collection accounts can significantly damage a credit report, making it more difficult for the driver to obtain loans, credit cards, or even rent an apartment. Additionally, the collection agency may report the debt to credit bureaus, further affecting the driver’s creditworthiness.
Another consequence of a traffic ticket going to collections is the potential for wage garnishment. If the collection agency is unable to collect the debt through other means, it may seek a court order to garnish the driver’s wages. This would result in a portion of the driver’s earnings being deducted each pay period until the debt is paid in full.
It’s important for drivers to address a traffic ticket that has gone to collections as soon as possible. Contacting the collection agency to discuss payment options or seeking legal advice can help mitigate the damage to the driver’s credit and financial situation. In some cases, the driver may be able to negotiate a settlement or have the collection account removed from their credit report.
In conclusion, when a traffic ticket goes to collections, it can have serious implications for a driver’s financial and legal status. Understanding the process and taking prompt action to resolve the debt can help minimize the negative consequences and protect the driver’s credit score and financial future.
