第一，您終究會需要付這筆錢，您的"聰明的"想法會給予您無限的麻煩，看看老貓上麵有關的資料您就應該了解所有情況。
討債公司基本上可以取得法院的命令直接從您的薪水中扣除這筆錢。 (您拒不收信不代表能解決任何問題，事實上隻要對方將信寄到您的公司，您公司的mail room 簽收就可以了)
第二，您的律師朋友說得沒有錯，您基本上不可能要求對方償付您的旅費等，民事案件您可以獲得賠償您的法律訴訟費用如果法官任為對方所提的訴訟不合正常情理，例如有人訴您締車的顏色對其個人是一種侮辱，如果法院接受這個案件，(一般不太可能，但是假定法官接受這個案件)，如果您贏得了訴訟，您是可以要求對方負擔一切的訴訟費用，但是正常的債務糾紛，一般的情況您的個人旅行開支不在這一類的考慮範圍之中，當然如果討債公司違反任何Fair Debt Collection Practices Act的相關規定，您可以依法要求對方賠償您的損失，以下是相關的條文 (您應該利用這個部份保護您)
808. Unfair practices [15 USC 1692f]
A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
(1) The collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
(2) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
(3) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
(4) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
(5) Causing charges to be made to any person for communications by concealment of the true propose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
(6) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if --
(A) there is no present right to possession of the property claimed as collateral through an enforceable security interest;
(B) there is no present intention to take possession of the property; or
(C) the property is exempt by law from such dispossession or disablement.
(7) Communicating with a consumer regarding a debt by post card.
(8) Using any language or symbol, other than the debt collector's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
但是您的情況基本上隻要您有正常的收入與銀行存款對方就有辦法取得這筆錢，不出庭您隻是讓對方得到default judgement，所以您隻是自己給自己找麻煩，讓您的信用紀錄上有這樣一個壞的紀錄，所以老貓是您老貓會考慮還這筆錢，這個案件除非您能上庭贏得判決您不需要付這筆錢，其他任何與人賭氣的行為輸得一定是您。
討債公司基本上可以取得法院的命令直接從您的薪水中扣除這筆錢。 (您拒不收信不代表能解決任何問題，事實上隻要對方將信寄到您的公司，您公司的mail room 簽收就可以了)
第二，您的律師朋友說得沒有錯，您基本上不可能要求對方償付您的旅費等，民事案件您可以獲得賠償您的法律訴訟費用如果法官任為對方所提的訴訟不合正常情理，例如有人訴您締車的顏色對其個人是一種侮辱，如果法院接受這個案件，(一般不太可能，但是假定法官接受這個案件)，如果您贏得了訴訟，您是可以要求對方負擔一切的訴訟費用，但是正常的債務糾紛，一般的情況您的個人旅行開支不在這一類的考慮範圍之中，當然如果討債公司違反任何Fair Debt Collection Practices Act的相關規定，您可以依法要求對方賠償您的損失，以下是相關的條文 (您應該利用這個部份保護您)
808. Unfair practices [15 USC 1692f]
A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
(1) The collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
(2) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
(3) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
(4) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
(5) Causing charges to be made to any person for communications by concealment of the true propose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
(6) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if --
(A) there is no present right to possession of the property claimed as collateral through an enforceable security interest;
(B) there is no present intention to take possession of the property; or
(C) the property is exempt by law from such dispossession or disablement.
(7) Communicating with a consumer regarding a debt by post card.
(8) Using any language or symbol, other than the debt collector's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
但是您的情況基本上隻要您有正常的收入與銀行存款對方就有辦法取得這筆錢，不出庭您隻是讓對方得到default judgement，所以您隻是自己給自己找麻煩，讓您的信用紀錄上有這樣一個壞的紀錄，所以老貓是您老貓會考慮還這筆錢，這個案件除非您能上庭贏得判決您不需要付這筆錢，其他任何與人賭氣的行為輸得一定是您。
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