Not all cases are «straight forward», and sometimes disagreements can develop over the claim. The debt collection agency may file a settlement complaint with the Conciliation Board if you have filed an objection with the creditor or the debt collection agency.
The Conciliation Board will attempt to reach an agreement between both parties, but in cases where you do not agree, the Conciliation Board will issue a final judgement. The limitation period will be extended to ten years if a judgement is obtained.
Prior to attending the Conciliation Board, you will be asked for a response to the conciliation complaint they have received. It is important that you answer the inquiry, as an absence judgment will be rendered in the absence of a reply. Lack of attendance at the Conciliation Board will also result in an absence judgment.
When the person you owe money does not receive payment, and there is no disagreement about the claim, a request for disbursement is sent to the Enforcement Officer. The Enforcement Officer has access to your personal information, which allows them to withdraw money from your pay or social security until the claim is settled.
The disbursement transaction will be held with "nothing to disburse" if you do not have enough funds to meet the necessary subsistence. The statute of limitations on the case is then extended by ten years, and the debt collection agency will continue to monitor the case.
Lien on a home or property will also be an option upon request and may lead to a forced sale.