The gist was that some of these lenders will try to garnish your wages by filing a lawsuit alleging that you owe them the money. About 60% of the time the defendants don't show up to court and so there's a default judgment in favor of garnishment. Even if the defendant does show, they'll usually ask to settle out of court or try to claim it wasn't them. The one thing most people don't know is that if you just say "show me the proof" the case will be dismissed by the prosecution because they don't have any proof. You then quickly counter sue for them to remove it from your credit file and/or lost wages if you think you can prove they were filing frivolously.