['Federal Rules. ... ', 'State Rules. ... ', 'Phase 1: Your Account Becomes Seriously Delinquent. ... ', 'Phase 2: Collection Efforts Intensify. ... ', 'Phase 3: You Get Sued. ... ', 'Phase 4: The Court Issues A Judgment. ... ', 'Phase 5: Garnishment Begins. ... ', 'Step 6: Garnishment Continues Until Resolved.']