A bit of an odd question.
My brother has some debt that is pretty bad. He owes around 40 grand in total between debt on a car, school loan, and general credit cards. He is also unemployed and can't pay anything on any of them right now. Because of the virus outbreak, he lost his job and it won't be coming back because the restaurant closed. How much debt do you need to have in order for the collector to take you to court over it?
It depends. This is a sum total for all of his debt. Some of these places likely won't do anything because it would cost them more in court fees than they would get in return. They are likely able to see he is not working as well which would imply he has no cash coming in. In some cases, they will be aware that a person doesn't own a home or a car either which means they can't liquidate anything.
If the debt is great and there are assets that can be seized, then it will likely be taken to court. I think that there has to be a supranational amount of debt though with items that can be taken away.
They will see he has nothing to show for it and the most they would do is take his car. They can't garnish his wages if he is not employed.
If they know you have nothing, they likely won't do anything. The thing is though, once a person is earning an income, they will be able to garnish your wages. They can take as much as 30% of your income from you.
I am not sure because I have heard of people getting away with over 100k worth of debt without anything happening to them and others having less than 20k and facing charges for it. I am not sure how the laws line up for stuff like this.