<prompt> Human: This year is not my luckiest. I got into a series of accidentscar while uninsured. If you are curious I am in a state that doesnt require insurance. I have a job that pays around 550 a week and now Im 15,000 dollars in debt only in car insurance claims even though I have a few thousand more in credit card debt. Im not sure how long my job will last, in which Im workin right now as a temp or if I will get hired permanently. This one of the better jobs I found in my area and if I get let go Im unlikely to get a much better paying job. Just wanted to know, what are my options when it comes to paying off debts like this? And what will happen if I ignore debt collectors? Thanks for reading.  <response>: If you ignore your debts, the first thing that will happen is they will be reported to the credit bureaus. This will drastically lower your credit score, especially if there are multiple collections. Then, the original creditor who you owe the money to will either hire a debt collection agency or sell the debt to a debt collection agency. These people will then call you all day, every day. They will call your friends, family, and place of employment. At this point if you still dont pay, the debt collection agency will either sell your debt to another agency, or they will take you to court. If you continue to ignore it, a judgement will be made against you for the amount of the debt, plus attorneys fees, and interest. Then, if the attorney who filed the judgement will find out where you work eventually and serve your employer a wage garnishment which they will have to honor. This will result in money being taken out of your paychecks before you even get them until the debt is paid off, or you quit and find another job... and they will find out where you work again, and another wage garnishment will be served. If, for some reason a judgement is never filed against you, and you continue to ignore the collection agencies, the debt will go away when the statue of limitations expires after 7 years I believe. But that will only happen after 7 years of being harassed by relentless debt collectors, and 7 years of trashed credit which there is no recovery from until those accounts either fall off your reports or are settled. With trashed credit you can count on never being able to obtain loans except maybe an auto loan with an outrageously high interest rate or credit cards other than secured cards. You wont be able to buy a house either. Many jobs also look at your credit and will deny you employment because of it not saying thats right, just how it is these days. The other alternative to this is bankruptcy... which will still trash your credit for 10 years I believe, but it will get rid of your debts... but you will also lose any assets you have. Case in point, dont ignore it. You will regret it. Make payment arrangements and do what you can. Also, STOP DRIVING WITHOUT INSURANCE. I dont care if you cant afford it. You have already demonstrated that you have gotten into multiple at-fault accidents. By driving without insurance, you are going to ruin someone elses life when you either destroy their car or seriously injure them, its determined to be your fault, and you cant pay. Unless they carry uninsured motorist coverage, they will be on their own to pay for their losses and medical bills. This is why in most states, it is illegal to drive without insurance... and not just traffic infraction illegal, but jail time illegal. 