Ask a Lawyer and Get Answers to Your Legal Questions
Hello and welcome! My name is ***** ***** I will try my level best to help with your situation or get you to someone who can.
Can you explain what you mean by you were "reached out by an attorney"?
Have you actually been sued for a debt in court?
Or did you get some type of written letter from the attorney?
Did you have an old debt that went unpaid?
If so, when was the last time you made a payment on it?
Ok, then no, this is just a civil matter of a breach of contract if you entered into an agreement to pay and were unable to do so. The creditor's recourse here is to sue you civilly to get a judgment against you and then try to collect on the debt by doing things like garnishing wages and levying on bank accounts.
It is not a criminal action, only civil, so the only thing they can do is sue you for money.