u/Comfortable-Bag-2160 wrote (the comment Michael replied to):
do you think they can just send it to collections without trying to contact me first about payments or warnings? only communication I've been receiving has been to submit my W2's annually
u/michaelnovati replied ·
There are a lot of regulations around collections processes and such and different types of collections.
They can give it to someone who can try to hound you to collect without going to your credit all the way to selling the debt to a collections agency that now owns the debt and goes after it very aggressively.
I don't see a collections agency wanting to buy ISA debt since ISAs are so not well defined but you never know.
It's more likely that they would hire a company to pursue you.